Health Coverage for 1099 Sales Professionals

As a 1099 independent contractor, the ONE Healthcare system offers a few options to cover yourself and your family.

Three Options for Individuals

STANDARD MAJOR MEDICAL INSURANCE - POWERED BY TRIAD - 1099

Coverage without Compromise

Enjoy nationwide Cigna PPO access, predictable costs, and straightforward benefits—no networks to guess, no surprises to budget for. The STANDARD Major Medical Plan keeps your health coverage simple, stable, and strong.

Who is Eligible?

Realty ONE Group network members who are 1099 contractors without a registered Tax ID Number (this is different from your Social Security Number) are also eligible to enroll in the Standard Major Medical Plan powered by TRIAD with slight variations.

Underwriting still applies; however, underwriting results will be "pass / "fail" with the rates shown in the summary.

PLAN SUMMARY AND RATES

How it works

Enrollment is available year-round. When you enroll, your insurance coverage will be effective on the first of the month following underwriting. Enrollment will renew January 1 of each year.

What are the benefits of the STANDARD Major Medical Plan?

Plans through TRIAD provide you with tools to navigate the healthcare system including:

Full PPO Network provided by CIGNA. Including Hospitals. Search Cigna's PPO (Instructions)
Option to select a Physician Only PPO Network with direct contracts to facilities for premium savings of about 12%. Schedule time with Arcwood to learn more.
The plan Pharmacy Benefits Manager, Disclosed Rx, is skilled at reducing specialty medications to $0 for the member.
Telemedicine by EVO Medical and Talk Therapy via Telehealth Nationwide
TRIAD Member App to keep track of you and your families health.
Health Savings Account eligible plan to help save money on income taxes and minimize healthcare spending.

Enroll in your STANDARD plan by completing the form below.

(you will need your banking information).

ADVANCED MAJOR MEDICAL INSURANCE by CLEARWATER

Smarter Care. Lower Costs.

With the ADVANCED Major Medical Plan powered by Clearwater & TRIDENT, you're never on your own. A personal Care Advocate helps you find high-quality, low-cost providers - often bringing your care down to $0. It's proactive coverage that rewards smart choices.

Who is Eligible?

Realty ONE Group network members who are individuals looking for coverage for themselves and their family, and small business owners who'd like an individual policy option for their employees.

How it works

These benefits were developed to help low utilizers secure protection for major expenses and drive their out-of-pocket expenses lower by seeking direction from the Care Coordination Team. Enrollment is available year-round and when you enroll, your insurance coverage will be effective on the first of the month following your application date. Each year your plan will renew January 1.

Plans through TRIDENT are guaranteed issue and cover pre-existing conditions; however, your current providers, treatments and medications may not be covered under the plan. To ensure continuum of care and avoid treatment disruption, schedule a call with one of the Arcwood Benefit Consultants before enrolling.

What are the benefits of the ADVANCED Major Medical Plan?

The TRIDENT Co-Pay plans introduce a tier of benefits where you can pay $0 for major services like inpatient and out-patient hospitalizations and urgent care when working with the Care Advocacy team.
Premiums are age rated giving individuals younger than 55 with low utilization the opportunity to have a reduced premium compared to other major medical policies.
Without a hospital network ("open network"), the Care Coordination team works to recommend a fair priced, high quality provider.
A National PPO Network for professional services (non-facility) PHCS for Value Driven Health Plans.
Prescription coverage
No cost Virtual Care through AMAZE Health

Review Current Rates

Schedule A Call Today

FAQ

ADVANCED MAJOR MEDICAL INSURANCE

What Are The Plan Designs?

Copay Plans

Each of these plans operate different to common plans familiar on the marketplace, specifically these are EPO plans with "in-network" benefits only, there is no coverage for "out-of-network" services and more importantly, by using the Care Coordination team, you can have your deductible and coinsurance reduced to $0 on these three plans for specific services. Please review the summaries below.

This $0 deductible option is highlighted as Tier 1 Services on each plan schedule and can only be accessed by using referrals from the Care Coordination team.

Review the plans Summary of Benefit Coverage:

$3,500 deductible
$5,000 deductible
$7,500 deductible
$10,000 deductible

HSA Eligible Plan

The $10,000 HSA eligible plan is for those interested in having, and contributing, to a Health Savings Account. This EPO Plan is focused on the managed care model.

Visits to your Primary Care Provider do not require contacting the Care Coordination team for prior authorization. If you visit an emergency room, you’ll need to contact the Care Coordination team within 48 hours or as soon as reasonably possible. For services outside of primary care, or emergency room -- such as diagnostic testing ordered by your doctor, visits to a specialist, and outpatient procedures -- you MUST call the Care Coordination team BEFORE obtaining services.

The tier 1 benefits described in the prior section are only available using the copay plans.

Notes:

The Major Medical Copay 3500, Major Medical Copay 5000, Major Medical Copay 7500, Major Medical Copay 10000 plans provide access to Tier 1 In-Network Preferred Benefits. In order to access these benefits for no out-of-pocket cost, you MUST call the care coordination team BEFORE obtaining services otherwise in-network benefits (tier 2) or non-network (tier 3) benefits will apply.

Members need to work with Clearwater to help ensure success of the program. This involves changing providers and facilities and participating in three-way conversations with provider staff. NOTE: This can take weeks. Members will need to be willing to invest time to achieve success.

The plans cover pre-existing conditions; however, your current providers, treatments and medications may not be covered under the plan. To ensure continuum of care and avoid treatment disruption, applications with any "yes" answers will be flagged for review by an underwriter, with a follow-up acknowledgement sent by email to ensure you understand coverage. Please schedule a call with one of the Arcwood Benefits consultants before enrolling if you have an ongoing health condition.

What is the Network?

How does the Prescription Plan work?

How do I enroll?

HEALTHSHARE PROGRAM BY CLEARSHARE

Community Care. Shared Savings.

The HEALTHSHARE Program powered by Clearwater & ClearShare isn't insurance. it’s a community of members who help each other with major medical costs. You’ll enjoy affordable monthly costs, $0 telemedicine, and access to high-value care options nationwide.

Who is Eligible?

Realty ONE Group network members who are healthy individuals looking for catastrophic coverage for themselves and their family.

How it works

These benefits were developed to help low utilizers secure protection for major expenses and are comfortable working with a Care Coordination Team. Enrollment is available year-round and when you enroll, the program will be effective on the first of the month following your enrollment date. Each year the program will renew May 1.

The program can have pre-existing limitations. Needs that arise from conditions that existed prior to membership are only shareable if the condition was regarded as cured and did not require treatment for 12 months prior to the effective date of membership. Any illness or injury for which a person has been examined, taken medication, had a diagnostic test performed or ordered by a physician, or received medical treatment is considered a pre-membership medical condition and will be subject to pre-existing limitations. Please review more details in the ClearShare Member Guidelines.

What are the benefits of the HEALTHSHARE Program?

The HEALTHSHARE plans provide a unique solution for individuals and families looking to lower their monthly costs.
Community-based cost sharing where members support one another with major medical expenses.
Nationwide PPO Network for professional services with PHCS Claritev for ClearShare.
Pharmacy Benefits covered for generics with a discount card provided for brand and specialty medications.
No cost Virtual Care through AMAZE Health

Get Rates / Enroll

Schedule A Call Today

Options on the Marketplace

Some individuals can have their health insurance expense reduced from the Affordable Care Act (ACA). Based on an income test, you could qualify for a premium subsidy for policies purchased on the Health Insurance Marketplace.

Please Note: The Enhanced tax credits established by the American Rescue Plan Act, and extended by the Inflation Reduction Act are set to sunset December 31, 2025; however, there are still tax credits available for individuals making less then $62,600 (families of four $128,600).

How It Works

In the fall of each year during Open Enrollment select a policy available on the Health Insurance Marketplace. Alternatively, select a policy if you have a qualifying event.

These options are guaranteed and do not require qualification or evaluations to issue the policy.

As an individual, you pay the policy premium using post-tax dollars.

You own the policy as an individual, and your policy is portable, regardless of where you work.

These are defined as Major Medical Policies.

Shop The Marketplace

Supplemental Insurance for Individuals

SUPPLEMENTAL INSURANCE BY CLEARWATER

Through Clearwater Health, supplemental insurances such as critical illness and an accident plan, are available as added benefits.

Options are available for individuals who are not incorporated. If you are a sole proprietor who has an Employer Identification Number (EIN) issued by the IRS, you are eligible for options available for Businesses.

CRITICAL ILLNESS

Critical Illness supplemental benefit provides additional coverage for medical emergencies like heart attack, stroke, invasive cancer or ESRD. Critical Illness will pay a lump sum benefit as shown in the schedule upon the first diagnosis of a covered condition for each incident (including reoccurrence). Benefits are paid directly to the primary member and can be used however they choose.

ACCIDENT INSURANCE

The Accident supplemental benefit pays up to the scheduled maximum amount, after the deductible, for medical charges resulting from a covered accident. The scheduled benefits apply to each accident per person covered, not to exceed the Maximum Amount Per Accident. The maximum amount applies to each accident (regardless of plan year) subject to the Plan Year Maximum. Reimbursements may reflect actual expenses up to the benefit amount indicated in the schedule. Benefits are paid directly to the primary member and can be used however they choose

Get Rates / Enroll

Program Partner

Realty ONE Group partners; Arcwood Benefits Consulting, Inc. as an insurance consultant and Arcwood Financial as a 401(k) advisor and consultant, dba Arcwood®, will assist Network Members in reviewing program options and comparing them with other insurance plans and retirement plan vendors. Arcwood is also available to conduct pricing and plan design analyses for Network Members with existing plans and larger businesses.