Just click on your favorite carrier and apply direct

***The premiums we quote will be the same if you were to purchase your health insurance directly from the insurance company.  Health insurance premiums are determined by the insurance carrier and regulated at your state level. 

My name is David Reisman
President of PBS Benefits LLC

"Your Partner for Insurance Protection"
  602-492-5050 or 800-811-3387

At PBS Benefits we believe that all individuals and self employed people should have choices in coverage and the information necessary to make the right decisions to properly protect themselves and their families.

We are committed to assisting you in evaluating the array of choices available in the marketplace and narrowing down those choices to fit your particular situation.

We have made available a series of links (please read "
Determine your Needs", "Facts to consider Now" and "Why Design a Plan?"). These will help you arrive at a decision that is right for you. Additionally, we are available to consult with you by telephone at any time.

Discover how agents can help you make the best insurance decisions.Why Should I Work With An Agent?
You can call David Reisman at (602) 492-5050 or  (800) 811-3387. Through PBS,  products are available through all the top rated insurance carriers and a variety of other companies to find the mix of products that are right for your situation.

Disability Insurance

Have partnered up to provide huge savings on lab-work

You now have direct access to major clinical labs across the USA* for those important blood tests – and at discounted prices.  Take charge of your health and fitness today! It is simple: a doctor’s appointment is not necessary.  All blood tests are offered at a savings of up to 80% off typical lab costs and through the same CLIA-certified accredited labs used by your physician. DirectLabs services include: Blood, urine, saliva, hair and fecal tests.

*This product is not available in MA, MD, ND, SD and VT.



HealthCare Blue Book Your Free guide to fair healthcare pricing


The Healthcare Blue Book is provided free to consumers. The Healthcare Blue Book price represents a fair price to pay for a service or product when the patient is paying cash at the time of treatment. It represents a payment amount that many high-quality providers accept from insurance companies as payment in full, and it is usually less than the stated "billed charges" amount.

Unfortunately, it is difficult for consumers to determine fair pricing for healthcare. Prices are not generally published and the list prices (or billed charges) are higher than providers typically charge most of their patients with insurance. The Healthcare Blue Book is a free resource that shows a fair price for healthcare products and services to consumers.

Consumers with traditional health insurance frequently need to know how much healthcare services will cost. Average deductibles are increasing and can be $1000 or higher. Coinsurance rates, which are the percentage of the bill that the consumer must pay, range from 20 to 40%. Many consumers would prefer to use the doctor of their choice, instead of the one selected as "in-network" by their insurance company, as long as they knew they wouldn't have to pay higher prices. There are also "non-covered services" that may not be covered by insurance. As health insurance companies shift more of the cost to consumers, consumers need to be able to choose healthcare services at fair prices.


State Licenses:

(Click state to view)

Arizona #: 157048

New Mexico #: 123272