Professional Benefit Solutions & Insurance
Professional Benefit Solutions & Insurance LLC has served the insurance needs of large and small businesses, self-employed individuals and seniors, homeowners and renters since 1999. We offer life insurance, health insurance, dental and vision insurance, long term-care Insurance, long and short-term disability insurance and Medicare supplements and Advantage plans. With Homeowners and Renters Insurance as well as Auto and Recreational Vehicle polices for our individual clients and Commercial and Liability Insurance as well as Heavy Equipment and Company-owned Car Policies for businesses, our clients can be confident that the insurance they’ve purchased provides the coverage they actually need.
Our policies are backed by insurance companies with proven reputations for maintaining a roster of in-network healthcare providers who are among the very best in your region and have earned reputations for responding quickly should accidents occur at home or at workplaces.
Portia Houston, Julie Eubank-Hougland, Sue Braly and Elaine Hickman
Porsha Houston, Julie Eubank-Hougland, Sue Braly and Elaine Hickman
For Business Health
Professional Benefit Solutions & Insurance has a long and successful track record of helping Business find the most comprehensive and cost-beneficial Disability, Health, Dental, Vision, Cancer, Long-Term Care and Life coverage available for your employees and their dependents. Working as an arm of your HR department, Professional Benefit Solutions & Insurance takes on the enrollment process, answers the individual questions that employees and their dependents will have, updates enrollments for qualifying life changes and works with your employees transitioning from your workforce due to changes of job or retirement. At Professional Benefit Solutions & Insurance we know that each and every healthcare dollar is a precious resource and that Human Resource Managers need partners to assure that employees are able to get questions answered quickly, have seamless enrollment and orientations so that staff understand the benefits they have and appropriate monitoring to assure that the insurance plans are providing real benefits to employees and their dependents.
For Homeowners & Renters
Professional Benefit Solutions & Insurance will find comprehensive options for Homeowners’ Insurance for the contents of your property and insurance for replacing or repairing your home should damage occur. Renters will find the policies that landlords require for the extended “slips, trips and falls” that may happen to you or your guests, but can also find insurance to replace your possessions should disaster strike.
Your personal cars and motorcycles as well are recreational vehicles (on-road and off- road) are covered with policies for all of the drivers in your home.
Umbrella Liability Insurance ties your insurance coverage together so that you can breathe easily knowing that you have coverage for whatever unexpected things life may throw at you.
For Individuals Short-Term Health & Even Your Adventures on Vacation
Professional Benefit Solutions & Insurance hears almost daily from people who are transitioning from one employer to a new job, a aging out of a parent’s insurance coverage or who have an older spouse who is retiring to Medicare leaving a younger spouse and sometimes dependents without health insurance coverage. The good news is that we can help with short-term health insurance coverage policies.
Another type of short-term health insurance policy is to cover you when you are on vacation or on a trip. For retirees, your Medicare plan may not travel with you very well and for individuals and families, whether your vacation is inside the United States or abroad, Travel Insurance will get you airlifted home and cover your health needs should you become ill or injured while you are away.
For Business and Commercial Property, Heavy Equipment and Fleets
Professional Benefit Solutions & Insurance makes your company’s insurance needs a one-stop shop! In addition to writing the health and optional employee benefit insurance plans, we also will write the insurance policies for your property, your inventory, heavy equipment and fleet of company-owned cars. In addition, the policies we write for your commercial property include liability coverage for your customers, visitors and also you team members who might have an accident on your property or as a driver or passenger in a company-owned vehicle or machine.
For Retiree Health
Happy Birthday! You made it to 65 and have qualified for Medicare, Supplements, Advantage Plans and you could use a policy of dental and vision and long term care! Whether you are just turning 65 or are wondering if you still have the correct plan and coverage given your changing health needs, Professional Benefit Solutions & Insurance is here for you and your family! For Retirees, Medicare is a complicated network of plans. We work with you to assure that the plans you are selecting are the most comprehensive available for the actual needs you have. Professional Benefit Solutions & Insurance continues to work with you as your needs change over time so that we can change or update your benefits during the open enrollment periods as your needs change.
Everyday, a Love Story
The real joy in our work is that every day is a love story. We hear it in the stories told by every customer. There are the stories of “how we met” and the resulting children and grandchildren. It is the news of a babies on the way and unexpected proposals for marriage. There are the whispered prayers for a return to health for a family member. The hope for strength for a family facing an accident. They are the secrets of each person’s heart that are shared in the everyday lives they are sharing with the people they love.
We get to hear about them each time they consider how they will be cared for after someone dies. Or what will happen to that room of people who matter more than life itself if I am too ill to care for them. It is the love of new seniors who are transitioning into retirement or young people starting careers.
There are the love stories of business owners who are sinking hearts and souls into building a vibrant workplace that they hope someday will send their children and their employees’ children to college. It is the business that will support a community and nurture families who will come to share the vision of the owner and stay to build that industry to something special. It is the caring worry that they are making good decisions for all family of employees and dependents who count on them to make the right choices.
Sometimes, it is the everyday love expressed by making sure the people you in your lives and the property in your homes and businesses are covered if there is a car accident, a fire or even an act of vandalism. It is the sparkle we see when you talk to us about insurance for the boats, recreational vehicles and off -road adventures or for the trips you plan to take. It is the pride we see when you have grown a business that owns big equipment or company cars.
Each day, every day, is a story of love expressed in words that sometimes an “I love you” cannot fully express. It is the need to provide in times of trouble, sickness, long term disability and death. It is the drive to ensure that a family will be safe, a business will thrive, that children will be cared for and generations will have the resources that they need to care for parents and grandparents and children and one another.
It is the love story we hear every day.
– Professional Benefit Solutions
“When it came time to select a medicare policy and drug plan, I felt completely confused. I was bombarded by mail from dozens of companies. I called Elaine, and she took all the time I needed to help me choose the plan that I really needed and one that I could afford, too.”
– Danny, 2021
“Wonderful! I have received benefits that I didn’t know I had, this because of the workers there that worked so diligently for me. They are all “true” professionals! I would recommend this to anyone. Thanks to all.”
– Janet, 2014
“I contacted Julie to find out how to file a claim on my cancer policy. I’d always filed for my annual wellness screenings, but I was afraid this would be more complicated. Just like always, within one day my claim was paid. That money really helped during a very frightening time. I’m very thankful I bought this policy 20 years ago. I’ve reaped years of benefits. “
– Kay, 2015
Get In Touch
Send us a secure message, and we'll get back to you with answers you can count on.
Understanding Homeowners and Renters Insurance
Whether your own (or are paying to own) your home or are renting your place of residence, you will need home insurance. The most common things that these policies include are: Coverage for your dwelling should you have to repair or replace the structure itself...
Livvy's Story One poodle in a family of 4 poodles. No health issues yet, thankfully, at age 3. Never misses routine and preventative care per year. Approx. $500 annually Worth every penny. Insurance helps.Our Pets Deserve the Best Pets are family members. And just...
All Terrain and Utility Terrain Vehicles
Whether you have an ATV (All Terrain Vehicle) for the fun of off-road riding or a UTV (Utility Terrain Vehicle) to help with chores on your property, these vehicles share the fact that you are not typically able to drive them on the roads. Despite not driving on...
Short Term Insurance
Life changes. There are any number of reasons that cause people to change work situations which have a direct impact on the stability of their health insurance benefits for themselves and their dependents. There are times that someone may leave a job whether or not...
Life Cycle Changes. When you were married, the fact that one of you was a few years younger didn’t seem like such a big deal. But when you are 65 or older and the one with the job that has the health insurance benefits, retirement can be complicated. At Professional...
Most travelers are not aware that the benefits of health insurance they have at home does not travel with them on vacation. For some Medicare-covered patients, your specific plan may not cover you as you travel out of the local network in your home state. For most...