When They’re Protected.
You’re Protected!

Zero Deductible Gap
Accident Medical Program

starLeft@2xstarRight@2xAccidents happen, and our coverage helps to prevent
extreme financial loss for your school and its’ families.

Your students have big deductibles and copays built into their family health plans, translating into big out of pocket expenses. This means potential liability exposure for your school should an athletic or activity accident occur. Our coverages are comprehensive and effective for all supervised and sponsored activities of your school and/or athletic association.

Our coverages are affordable, with annual costs as low as $10 per individual. And with year-round open enrollment, you can start protecting your students now! To ENROLL in our Zero Deductible Accident Medical Plan, simply call one of our knowledgeable team members for an application, or to ask any questions.

Healthcare Reform
(Affordable Care Act or ACA)

Healthcare Reform will have a major impact on student/athletics and activities insurance coverage now and in the future. Only a knowledgeable consultant can make it simple. Call us and find out how ACA will impact your school and students.

State Health Exchange Services

Team Assure offers a ZERO DEDUCTIBLE ACCIDENT MEDICAL GAP PLAN that can cover your students as students/athletics/and activities participants for expenses, deductibles, and co-pays that are not covered by a parents’ plan. In 2014 and beyond the type of health plans offered under the Affordable Care Act (ACA) will be more expensive and offer fewer benefits, resulting in premiums that may double in the near future. Because of this many small businesses are planning to cancel their group health plans. The impact of ACA will drive more parents and guardians to seek higher deductible plans with fewer benefits. This will expose many students and schools to more claims and potentially more liability from parents who expect the school to pick up these types of medical costs for their children’s activities at school.

For students enrolled in our low-cost insurance plans that have no other coverage, our supplemental accident medical plan becomes even more important. Team Assure has the answers to issues brought by the ACA. All programs offered by Team Assure are in compliance with the ACA and we will help your school remain compliant with the regulations required by the ACA. For plan and enrollment information, please give us a call at 888-636-7272.

As Low as $10 per Student
or Student Athlete
per Year

Services We Provide

Insurance Consulting
Client Advocacy Services
Healthcare Reform and Compliance
Property & Casualty
Catastrophic Coverage

About Us

Over the past 35 years, Planned Benefit Services Inc./Team Assure has evolved to be one of the leading full service insurance brokerages, Managing General Agency, and Risk Management firms in the Southeastern US. Since the late 1980’s, we have been partners with one of the nation’s fastest growing Managing General Underwriters, The Kennion Group, headquartered in Birmingham, AL.

Planned Benefit Inc. and Team Assure provide traditional Property and Casualty insurance products to our clients throughout the Southeast. We have a wide array of niche and specialty insurance programs, and we specialize in Zero Deductible GAP Insurance for students, student athletes, and school staff, Catastrophic Insurance, and Employee Benefits Packages, including competitive Health Insurance plans.

With a commitment to detail, we listen carefully to every client in an effort to develop a shared understanding of their needs and what is expected of our team. We listen because the better we understand you, the better we can commit all our strengths to meet your individual needs. We understand that we work for you, and we are committed to work with your team to develop a true partnership so we can approach the insurance marketplace together in an effective and committed endeavor.

At Planned Benefit Services Inc./Team Assure, we are ready to work for you.

Our Mission

To deliver quality programs and insurance products to our clients with a high level of service, responding to the challenges of the client’s needs and budget. And to work towards earning lasting relationships built on a foundation of honesty, integrity, and trust.

Our Team

David D. Larson
P 334-395-8000
F 334-395-8011
E ddl@teamassure.net

David Larson graduated from Sidney Lanier High School in Montgomery, Alabama; attended Wofford College in Spartanburg, South Carolina; and graduated with a bachelor’s degree in marketing from the University of Alabama. After graduation he began a career in real estate that has spanned more than 40 years.

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His real estate holdings now include Deshields Larson Realty, a full service brokerage offering real estate sales, marketing and management. He and a partner began L&W Farms, a large scale farming operation established in 1971.

In 1986, Mr. Larson retired from farming to devote more time to expanding his financial services operation. Planned Benefit Services (PBS) was launched as a full service insurance agency specializing in benefits and group accident and disability programs and as well as property and casualty coverages. As the insurance agency matured, Mr. Larson began to concentrate on the education market working primarily with schools and school boards. Planned Benefit Services became the agent of record for The Alabama Independent School Association in 1990, resulting in the firm writing group accident, medical, disability and death programs for students and athletes in many private schools in Alabama. PBS also wrote property and casualty coverages for schools and the association itself.

In 1991, PBS became the agent of record for the Alabama High School Athletic Association (AHSAA) and its 700 member schools, concentrating on group accident, medical, disability and death plans as well as property and casualty coverages for these public schools as well as the association itself. Planned Benefit Services has continued to build on these relationships, expanding to serve the education market throughout the Southeast.

Mr. Larson serves in numerous leadership positions in the Montgomery area with membership on many civic and charitable boards. He is a member of First United Methodist Church. He is particularly proud to be a member of the Leadership Council for the National Federation of Independent Businesses for the state of Alabama, representing and advocating for small business in Alabama.[/read]

Dax Anderson
Director of Marketing and Consulting
P 334-395-8000
F 334-395-8011
E dax@teamassure.net

Dax Anderson grew up in Crestview, Florida and graduated from Crestview High School, Florida. He attended Troy University in Troy, Alabama and received a Bachelor of Science Degree in Human Resources and Sports and Fitness Management. Dax attended Troy University on a football scholarship and started as a true freshman. Some of the players Dax played with while at Troy University are still playing in the NFL.

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While at Troy University Dax interned at the Troy Regional Medical Center as the Assistant Hospital Administrator and Human Resources Manager to gain corporate administration and organizational leadership skills.
Upon graduating from Troy University Dax became an insurance producer with Liberty National Life Insurance Company creating new business development with companies by installing 125 cafeteria plans and other benefit plans for companies in the southeast.
Dax is an avid outdoorsman and in 2005 harvested the new Alabama State Record whitetail deer with a bow. Dax is also heavily involved with the Wounded War Heroes of America organization out of Geismar, Louisiana, through his part time business Anderson Wildlife Management Services, L.L.C. He provides deer and turkey hunts for our wounded veterans from the southeast, assisting them with therapeutic relaxation and comradery from his hunting lodge in Bullock County, AL. He also fundraises for this worthy organization by sponsoring golf tournaments, raffles, and cookouts.
For the last several years, Dax has been self-employed with the trucking industry, wildlife and land management and was invited to join Team Assure as Director of Marketing and Consulting.

Gary Anderson
Client Services Director
P 334-395-8000
F 334-395-8011
E gary@teamassure.net

Gary Anderson grew up in Florala, Alabama and graduated from Florala High School, Alabama. He attended Troy State University Florida Region in Ft Walton Beach and received a Bachelor of Applied Science (BAS) Degree in Resources Management and went on to receive a Master Degree in Public Administration majoring in Healthcare Administration from Troy State University Florida Region.

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Gary is retired military from the United States Air Force Reserve Command (AFRC), 39+ years, and retired from Civil Service, 20 years. He was an Air Reserve Technician for the last 13 years of his military and Civil Service career. Gary spent 21 years as an enlisted member of AFRC as an electronics technician and a sensor operator flying on the AC-130A gunships out of Duke Field, FL, and 18+ years as a Medical Service Corps officer (healthcare administrator) at Duke Field, FL, Hurlburt Field, FL, Shepherd AFB, TX, and Robins AFB, GA. He retired at the rank of Major from AFRC and retired as a GS-11 from Civil Service. He was the Director of Operations for the Medical Field Training Site at Shepherd AFB, TX, where he oversaw the day to day operations of all the Medical Readiness Field Training for all medical unit personnel who were preparing to deploy in support of operations in Iraq and Afghanistan. He was promoted and reassigned to HQ AFRC at Robins AFB, GA, where he was Chief, Medical Readiness Training and Exercises, there he oversaw and developed the overall parameters and ensured accomplishments of plans (concept of operations and executed plans), policies, programs and procedures for the operational training of AFRC medical units as related to real world exercise and training of medical assets and other units in various deployment for training scenarios to include homeland defense, interoperability with civilian agencies and other military Services, and federal agencies in response to weapons of mass destruction, major theatre of war operations, humanitarian, international training, Air Expeditionary Force operations, and other contingency operations. He planned and executed over 40 Continental United States (CONUS) and Outside Continental United States (OCONUS) medical exercises, International Health Missions, and Humanitarian Missions. He developed and provided command policy and guidance, management expertise and assistance to reserve medical organizations which included approximately 8,000 medical personnel in 82 separate medical units and three Numbered Air Forces. He served as the AFRC Surgeon Generals medical operational training representative to the Department of Defense (DoD), Defense Health Agency, Joint Chiefs of Staff (JCS), Veterans Administration (VA), Federal Emergency Management Agency (FEMA), International Health Service (IHS), Headquarters US Air Force, and other Major Commands (MAJCOM) and civilian agencies pertaining to AFRC medical units readiness training programs and capabilities.

Upon retiring in February 2014, Gary relocated to Troy, AL, to be near family and enjoy his outdoor passion of hunting, fishing, golf, and gardening. After a short time off, he was invited to join TEAM ASSURE as the Client Services Director. [/read]

Frequently Asked Questions

What if a child is injured that has no primary insurance plan? > [read more=”Answer” less=”Done”]The State High School Athletic/Activities Association or other School Associations and the participating schools assume that parents have a Major Medical Health Plan in place. If a parent does not have a major medical plan in place on your child, please contact your school or our office and we will assist you in applying for such coverage from Medicare, Medicaid, All Kids, Chips and Blue Cross and Blue Shield group and individual plans. However, if a child has no other insurance at the time of injury this plan will pay the benefits according to the Benefits of the Plan selected by the School.  [/read]
How do I file a claim? >[read more=”Answer” less=”Done”]For Claims Filing Instructions – Go to the top of the webpage and scroll over the FORMS ICON, then scroll over CLAIMS SUBMISSION and you will see GAP NOIF INSTRUCTIONS and click on it. This will pull up the instructions for filing a claim that you can print.

For Claims Submission straight to ABT our claims payer via the Ticket System – Go to the top of the webpage and scroll over the FORMS ICON, and click on CLAIMS SUBMISSION, then click on NEW SUPPORT TICKET and complete the information requested and attach any documentation you have received, (i.e., claims form, EOB’s, billing statements). This will be submitted straight to our claims payer, ABT, and is more secure than sending by fax or mail. [/read]
Definitions > [read more=”Answer” less=”Done”]Accidental Injury: Means an unexpected or unforeseen event occurring suddenly and violently, with or without human fault, and causing at the time physical injury to the body or damage to an artificial member of the body, and taking place not according to the usual course of events (for example a motor vehicle accident). Accidental injury does not include any damage caused by chewing or biting on any object.
Medically Necessary: Means that a Covered Accident Medical Service or Dental Service: (1) is essential for diagnosis, treatment or care of the injury for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; (3) is ordered by a Physician and performed under his or her care, supervision or order.
Usual & Reasonable Reimbursement: Means the benefit plan described is an Association Plan Sponsored by State High School Athletic/Activities Associations or schools on behalf of its participating members. The plan will reimburse the plan participant for expenses that are considered patient responsibility under federal tax code medical reimbursement guidelines. The reimbursement amount is limited to the amount that is normally paid by the most common payer or an average of the amount normally paid by Medicare, Medicaid and Blue Cross and Blue Shield group and individual plans. [/read]
How can I request a quote? > [read more=”Answer” less=”Done”]Go to the top of the website page and scroll over the FORMS ICON and click on REQUEST A QUOTE. Fill in the Quote Request Form completely and click on the SUBMIT ICON at the bottom of the form. We will verify that we have received your request and we will be back in touch with you with your quote. [/read]