SOLO HEALTH INSURANCE Q&A

Monthly enrollment is available. Enroll on the 1st of any month with premium payment. Coverage begins the 1st of the following month. Example: Enroll Aug. 1, coverage starts Sept. 1. Find answers to common questions or contact our team at 888-201-0904. For membership questions please contact TBA's Membership Team at membership@tnbar.org or call our office at 615-383-7421.

1. What benefits can I enroll in?

You can choose from several major medical plans, including low deductible, high deductible, and HSA-compatible options.

2. Am I required to be a TBA member to qualify for coverage?

Yes, membership in the TBA is required. If you are not a current member please join now.

3. When will my first payment be due?

Your first payment will occur on the 1st and 15th of the month following your completed enrollment.

4. When do my medical benefits take effect?

Coverage starts on the first day of the month after your initial payment. For example, if you enroll on May 1 and your first draft is processed on June 1, your benefits will begin July1.

5. What steps do I need to complete to finalize my enrollment?

Step 1: Complete your profile
Step 2: Choose your benefit selections
Step 3: Submit your request
Step 4: Complete your I-9 and W-4 verifications
Step 5: Sign your new hire packet

Afterward, you’ll receive a Welcome Email with your enrollment guide.

6. Why is Form I-9 required?

All U.S. employers are required to complete Form I-9 to verify the identity and employment authorization of individuals hired to work in the United States.

7. Can I make changes to my benefits after enrolling?

Changes are allowed prior to application submission, during open enrollment, or if you experience a qualifying life event.

8. When is the annual review of this plan for rate changes? 

The plan performance is reviewed every June and rates are adjusted accordingly. 

9. When do deductibles and out-of-pocket maximums reset?

All major medical plan deductibles and out-of-pocket maximums reset on Jan. 1 each year.

10. Can my family access any services?

Yes! You may add family members to most benefits. Telehealth services include coverage for your family at no extra cost.

11. Which network are the health benefits associated with?

All major medical plans use the Anthem BlueCard PPO is a nationwide network.

12. What qualifies as a life event, and what should I do if one occurs?

Call our support team within 30 days of the event to make changes. Examples and required documentation include:

• Birth/adoption → Birth certificate or adoption record
• Marriage → Marriage certificate
• Divorce → Court documentation
• Relocation → Proof of new residency

For midyear changes call or email at 888-833-1099 or support@1099workers.com.

13. Can I cancel my benefits at any time?

Yes. You may end your association with 1099 Workers at any time by submitting written notice to cancellations@1099workers.com. Your benefits will remain active through the remainder of the month.

14. I have one employee how do I cover them?

If you have one or more employees you will need to utilize our group health insurance plan that offers open enrollment every fall. Find out more about that option here: TBA Group Health Insurance.

15. What are the options for dental and vision for this plan?

Stand alone dental and vision are available through BCBST and will be made available during the enrollment process. 

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ADDITIONAL COVERAGE OPTIONS Q&A

FOR ALL INDIVIDUAL PARTICIPANTS

1. Does TBA offer disability coverage? 

Yes, TBA offers up to $10,000 a month of added personal disability income insurance to help strengthen your personal disability income protection and up to $15,000 a month of business overhead expense (BOE) insurance to help keep your practice healthy while you’re away. See more on individual disability options.

2. Are there group disability options?

Yes, many lawyers have discovered the value of adding group disability coverage to supplement their individual disability policy. By adding an additional $5,000, 10,000 or even up to $15,000 a month in disability benefits, these lawyers are able to bridge some or all of the ‘protection gap” they have between their current income and their individual disability insurance coverage. Furthermore, this is an added benefit for your staff. See more on group disability plans.