[fusion_builder_container hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” publish_date=”” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_accordion type=”” boxed_mode=”” border_size=”1″ border_color=”” background_color=”” hover_color=”” divider_line=”” title_font_size=”18″ icon_size=”” icon_color=”” icon_boxed_mode=”” icon_box_color=”” icon_alignment=”” toggle_hover_accent_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””][fusion_toggle title=”The Tennessee REALTORS® new benefit for its members is an Association health Plan (AHP). How do AHPs work?” open=”no”]
Association Health Plans (AHPs), under the U.S. Department of Labor’s rule, are group health plans that employer groups and associations offer to provide health coverage for employees.
AHPs allow small employers and individuals to band together to purchase the types of coverage that are available to large employers, which can be less expensive and better tailored to their needs.
For the first time, working owners without other employees (including sole-proprietors / independent contractors) and their families will be permitted to join AHPs, creating a new path for these hardworking
[/fusion_toggle][fusion_toggle title=”When can I obtain a quote and enroll for the Association Health Plan?” open=”no”]
The quoting and enrollment portal is available beginning March 18, 2019, and will close at midnight May 1, 2019. The effective date will be June 1, 2019.
[/fusion_toggle][fusion_toggle title=”What if I need help enrolling or with anything related to the AHP?” open=”no”]
Our benefits website, HERE, is your source of AHP information. If you have additional questions, you may also contact HUB Customer Service at (888) 433-1966 or email tnrealtors@hubinternational.com.
[/fusion_toggle][fusion_toggle title=”Who is eligible to enroll in the AHP?” open=”no”]
The plan is currently available to:
- Any local association chartered by the National Association of REALTORS® within the state of Tennessee which is a member of Tennessee REALTORS® and which adopts the plan as a participating employer;
- Any REALTOR® member of Tennessee REALTORS® who is engaged in business as a sole proprietor having a primary place of business in the State of Tennessee and who adopts the plan as a participating employer;
- Any REALTOR®-Associate member of Tennessee REALTORS® who is engaged in business as a sole proprietor having a primary place of business in the state of Tennessee and who adopts the plan as a participating employer;
- Any local association member of Tennessee REALTORS® who is engaged in business as a sole proprietor having a primary place of business in the state of Tennessee and who adopts the plan as a participating employer;
- Any Institute Affiliate member of Tennessee REALTORSR who is engaged in business as a sole proprietor having a primary place of business in the state of Tennessee and who adopts the plan as a participating employer;
- Any corporation, limited liability company, partnership, association of other entity engaged in the business of real estate sales or services having a primary place of business in the state of Tennessee which is controlled and owned by one of more REALTOR® members or REALTOR®-Associate members or local association members of Institute Affiliate members of Tennessee REALTORS® and which adopts the plan as a participating employer.
[/fusion_toggle][fusion_toggle title=”Is the Tennessee REALTORS® Health Alliance Plan Available for groups?” open=”no”]
Yes. For group quotes please email john.blevins@hubinternational.com or call (615) 468-3258.
[/fusion_toggle][fusion_toggle title=”If I do not enroll myself or my group by May 1, 2019, when can I enroll in the plan?” open=”no”]
The next enrollment will be March 2020. If a member or an employee within a group has a life event, that person may enroll within 31 days of the life event. Life events are birth or adoption, marriage, domestic partner certification, death, divorce, of loss of coverage.
[/fusion_toggle][fusion_toggle title=”I am currently enrolled in a medical plan. Can I terminate that plan and enroll in the Tennessee REALTORS® Health Alliance Plan?” open=”no”]
Yes. Please contact your current medical insurance company regarding instructions to terminate your current policy.
[/fusion_toggle][fusion_toggle title=”Do the medical plans cover pre-existing conditions?” open=”no”]
Yes. The Humana medical plans meet the Healthcare Reform Law guidelines for large groups, including essential benefits.
[/fusion_toggle][fusion_toggle title=”Do the medical plans cover preventive care?” open=”no”]
Yes. Preventive care services are covered at no charge if you use a network provider.
[/fusion_toggle][fusion_toggle title=”Will I be required to answer medical questions?” open=”no”]
Medical questions are not required to enroll for the Humana medical plans.
[/fusion_toggle][fusion_toggle title=”How will I know if my doctor is a network provider?” open=”no”]
For the Humana plans there are two (2) networks. One is the Choice Care Network, and the other is Choice POS. Choice Care is Humana’s national network. The Choice POS will be the network for the large metropolitan areas of TN (Knoxville, Chattanooga, Nashville, and Memphis). Your home zip code determines which network will be part of your medical plan. To find a provider, go to www.humana.com. Below is information about the hospital systems for the Choice POS.
Nashville Tristar/HCA and St. Thomas/Ascension (excludes Vanderbilt)
Memphis Baptist and St. Francis (Choice care Network is the same as CPOS)
Knoxville Covenant and UT Medical Center (excludes Tennova)
Chattanooga Erlanger and Tristar/HCA (excludes Memorial)
[/fusion_toggle][fusion_toggle title=”I have met all of my deductible and my out-of-pocket with my current medical carrier. Do I have to meet the deductible and out-of-pocket again in 2019?” open=”no”]
No, Humana will give you credit if you submit the most recent Explanation of Benefits (EOB) from your current insurance company.
[/fusion_toggle][fusion_toggle title=”If I drop my Tennessee REALTORS® membership or leave my employer, can I keep my medical, dental, and vision plans?” open=”no”]
Yes. You may keep the plans under COBRA for 18 months or longer depending on the qualifying event.
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If you have further questions, contact HUB International Customer Service.
(888) 433-1966
tnrealtors@hubinternational.com
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