Independent Food Retailers Association Tom Johnston - (989) 992-8996
  Retailers Employees Benefit Trust  
Plan Outlines & 2019 Rates

Retailers Employees Benefit Trust


But no worries here!

Our Michigan association has quietly sponsored a stable, successful health plan (REBT) for owners and their employees for over 40 years. REBT is regulated by the DOL and licensed by Michigan's Office of Insurance Regulations.

It was only slightly affected by ACA and will be largely unchanged if it is repealed.

  • No pre-existing condition exclusions
  • No underwriting
  • No age or area rating
  • Children covered until 26 years old
  • Cobra administration taken care of

So retailers can be confident they will find the right combination of benefits and rates without keeping one eye on the news.

See above button for rates & plans.
Then call the office and ask for Gail.

248 356.1682

Rates as low as: $352.91 single
$777.35 couple
$883.39 family

See rate button above and find all 2019 plans and rates followed by outlines of each separate plan (for comparison with current coverage.) Then call our REBT benefit office and ask for Gail.


REBT plans will survive any coming national or Michigan insurance changes!

REBT makes it possible to provide our employees with full coverage and low deductibles - benefits they can use on Day 1, with rates independent retailers can afford.

You can cost-share in full compliance. You can offer each employee both a basic medical coverage and an option to buy-up to a better plan.

Each benefit is an employee option: