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The PAISBOA Health Benefit Trust (HBT) is a consortium of independent schools, colleges, and universities within the state of Pennsylvania. The sole focus of the HBT is to provide high-quality health plans at affordable rates. Members enjoy savings, stability, and innovative programs through scale and collaboration. The PAISBOA HBT is a self-funded entity, organized as a Multiple Employer Welfare Association (MEWA). While the HBT was established by and exists for the benefit of its member institutions, it is governed by a dedicated Board of Trustees who are elected by the members to ensure that the needs of all of the enrolled participants are represented.
Market USA, a full-service financial institution, was originally chartered in 1953 to serve Giant Food employees in the Mid-Atlantic region. Throughout the years our membership has grown to include additional grocery store chains such as Giant of Carlisle, Stop and Shop, and BI-LO, as well as over 80 select employer groups. As a member-owned, not-for-profit cooperative, we exist solely to bring our membership innovative products and services with low loan rates, competitive dividend rates, and low or no fees. Benefits of membership include free checking, a variety of loan and deposit products, mobile services, financial education and counseling, access to thousands of surcharge-free ATMs, discounts on insurance products, and much more. Our top priority is our members financial success. Members are our shareholders and each member has one vote. In addition, we are governed by a volunteer board of directors who look out for the best interest of members, not stockholders.
Our lender-placed insurance, blanket insurance, and specialty insurance programs provide comprehensive coverage to financial institutions, government entities, property investors, and property & casualty agencies. Proctor Loan Protectors service solutions are powered by superior customer service, proprietary innovations, technology, and an experienced team. We perform insurance tracking, which includes policy procurement, mail processing, disbursement facilitation, and an award-winning borrower call center.
Our team of accountants boasts prestigious accreditations from the Institute of Singapore Chartered Accountants and Chartered Accountants Worldwide. As a Registered Filing Agent and Qualified Individual with ACRA, we bring a wealth of expertise to the table. With experience gained from the Big 4 accounting firms, our professionals have a proven track record in serving clients across various sectors, including construction, manufacturing, and retail. We are committed to being your trusted financial advisor and tax planner, guiding you every step of the way on your journey to success. Let us help you achieve your business goals with confidence and precision.