1099 Health Benefits Plan

for Locum Tenens Providers

1099 Health Benefits Plan for Locum Tenens Providers

Benefits Designed for Independent Contractors who are 1099s and Small Businesses with W2 Employees

Full health coverage for your self-employed life

Access the Blue Cross Blue Shield National PPO Network

Being independent shouldn’t mean being unprotected. That’s why Ten99 Health offers PPO health insurance designed specifically for 1099 contractors, freelancers, and small business owners, all with nationwide access, transparent pricing, and year-round enrollment. Here’s what you get with us:

Year-round enrollment

No need to wait. Apply for coverage by the 15th day of any month, and your coverage starts the next day.

More choices, not fewer

Most carriers limit choices for contractors. We open the door to flexible, portable plans that match your lifestyle.

Built-in support

Think of us as your HR department. From plan selection to claims help, we’ve got you covered every step of the way.

1099 perks

Think of us as your HR department. From plan selection to claims help, we’ve got you covered every step of the way.

We believe informed choices lead to better coverage. We encourage you to compare our health and wellness plan with health insurance options for 1099 contractors available through the ACA marketplace. Taking the time to review both can help you find the coverage that best meets your unique needs as an independent contractor.

Provider Network	BCBS Network (PPO)
Deductible
Individual Deductible	$1,000
Family Deductible	$3,000
Coinsurance
Coinsurance %	20% after the deductible
Maximum Out-of-Pocket
Individual	$3,800
Family	$11,400
Office Visit Copays
Teladoc	$0 copay
Primary Care	$25 in network
Specialists	$50 in network
Urgent Care	$25 in network
Preventative Care	100% in network
Prescription Drug Card
	10% Generic ($200 max)
	20% Specialty ($250 max)
	35% Brand ($200 max)
	Other see SBC for details

Ten99 Health Testimonials

"I have been beyond happy with the coverage, services, and responsiveness when any questions have come up."

"Alex at Ten99 Health has been very helpful and always makes himself available to answer any questions regarding health insurance and other benefits."

"Working with Alex at Ten99 Health made finding the right health insurance simple and stress-free. He explained my options clearly and helped me choose a plan that fit my needs. I highly recommend his expertise to any independent contractor!"

Health Plan Pricing

Our 125 plan (also known as a “cafeteria” plan) lets you pay insurance premiums with pre-tax dollars, reducing your taxable income. This structure provides you with more control over your benefits and increased take-home pay, similar to traditional employer-sponsored plans.

Coverage Level & Monthly Cost

$746

Employee only

$1,530

Employee + spouse

$1,169

Employee + Children

$1,669

Employee + family

Plan Bundle	Total
Employee Only	$985
Employee + Children	$1,598
Employee + Spouse	$1,959
Employee + Family	$2,183
Waived Employee (W2 groups only)	$37
Surcharge	4 or more dependent children Dental: $50 and Vision $15 (per child)

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Copies of marriage licenses and birth certificates are required for dependents’ coverage.
Member must be actively working as a 1099 contractor to be eligible (unless you are part of a group plan).
In-network only coverage except for emergency. See SBC for details.
There is no access to BCBS online portal. You will be sent your Explanation of Benefits (EOB) in the mail directly to your address.
The plan is a one-year minimum contract. Month to month thereafter.
All individual enrollments need to be completed by the 15th of the month at 5 pm CST. If the 15th falls on the weekend, enrollments must be completed by the following Monday by 5 pm CST. (Completed enrollments include payment information, marriage licenses and birth certificates)