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

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.

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 moc.l1566572641anoit1566572641anret1566572641nibuh1566572641@srot1566572641laern1566572641t1566572641.

The plan is currently available to:

  1. 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;
  2. 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;
  3. 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;
  4. 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;
  5. 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;
  6. 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.

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.

Yes. Please contact your current medical insurance company regarding instructions to terminate your current policy.

Yes. The Humana medical plans meet the Healthcare Reform Law guidelines for large groups, including essential benefits.

Yes. Preventive care services are covered at no charge if you use a network provider.

Medical questions are not required to enroll for the Humana medical plans.

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)

No, Humana will give you credit if you submit the most recent Explanation of Benefits (EOB) from your current insurance company.

Yes. You may keep the plans under COBRA for 18 months or longer depending on the qualifying event.

If you have further questions, contact HUB International Customer Service.

(888) 433-1966

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