The Texas Bar Private Insurance Exchange is available to members of the State Bar of Texas, spouses, employees of members, Paralegals, and Law Students. We offer a wide-range of health options for you and your family. Everyone is different, and we know that it is important for you to have a variety of health plans to choose so you can find what works for your lifestyle and financial picture.
Also known as “Obamacare plans”, this type of major medical insurance meets the ACA’s minimum essential coverage requirements. Individuals can enroll for these plans during the annual Open Enrollment Period of November 1 – December 15. (Note: Plans and rates for next year will not be available to view until November 1.)
If you have experienced a Qualifying Life Event (QLE) you may qualify for a Special Enrollment Period that will allow you to enroll outside of the Open Enrollment Period. Watch our QLE webinar replay to learn more.
Also known as “short-term health insurance”, non-ACA plans can be an affordable alternative for individuals who are in good health and don’t need coverage for maternity, mental health, substance abuse, or a preexisting condition. There is no designated enrollment period for these plans — you can apply at any time.
(Note: Non-ACA/short-term health insurance is medically underwritten and does not cover preexisting conditions. The coverage does not meet ACA minimum essential requirements. Availability varies by state.)
No need to jump to multiple websites to compare plans. Members now have an easy way to evaluate every available plan from leading companies like Aetna, Blue Cross & Blue Shield of Texas, UnitedHealthCare, and Humana. On renewal, you’ll have the ability shop and compare your plan with the most up to date health plan options to ensure that you always have the most competitive coverage.
Is it possible to have more options and keep the decision process easy? Absolutely, this is where our private exchange thrives with the “Best Fit” tool. “Best Fit” is much more than an interactive decision support tool. It’s a whole new approach to insurance shopping, helping you make a more informed and personalized decision across a range of plans – all through an engaging experience. “Best Fit” guides you through the buying process by asking a few simple questions and then suggesting the plan that best fits your individual needs. Matching your requirements with the most suitable deductible, coinsurance, copays, prescription drug coverage, and provider network can dramatically reduce your total out of pocket costs and save you money.
We know time is money, especially with attorneys. From basic questions to in-depth consultations, it’s important to have a live person awaiting your call when you need help. It’s also important to work with an advisor that takes the time to develop specific knowledge about you and your family. Our dedicated team of Benefits Counselors are specially trained to work with attorneys and can provide you with expert advice about each health plan. They have already helped thousands of members with common inquiries like checking provider networks, making sure prescription drugs are covered, and explaining difficult to understand insurance jargon.
If you’ve ever had an issue with your coverage and had to deal directly with your insurance carrier, you know how valuable it is to have an advocate on your side. Billing errors, lost ID cards, problems with claims, and changes in your family status are all common occurrences that require time and effort. Instead of spending your valuable time waiting on hold, let us do the heavy lifting. Our Service Team has “premier” level access to insurance company service departments. Sometimes you just have to get through to the right people to get your issues resolved and we are experts in that area.
The leading health insurance providers in the state of Texas all participate on the exchange. All health insurance plans and rates are regulated by the Texas Department of Insurance. You will not find better pricing with any of these providers, even if you purchase directly from the carrier. The private exchange can also help you determine if you’re eligible for a government subsidy and assist you when applying.
You also have access to special member group pricing on useful benefits such as dental, vision, life, long term disability, long term care, PAI, ID theft, pet insurance, and more. Plans are offered by some of the best and well known providers in the U.S. like MetLife, Prudential, and VPI.
* State Bar of Texas members and employees of members actively enrolled in health insurance through the Texas Bar Private Insurance Exchange (EXCHANGE) starting March 1, 2017, are eligible for Participation membership benefits. Participation membership benefits are provided by the State Bar of Texas Insurance Trust (TRUST) at no additional cost to members whom are active insured participants on the EXCHANGE and may be discontinued at any time at the discretion of the TRUST. If you do not want Participation membership benefits, you may opt out during your enrollment process or by calling the administrator Member Benefits at 800-282-8626. Enrollment in other complimentary programs do not qualify.
MDLIVE is not available in all states. MDLIVE does not replace the primary care physician. MDLIVE does not guarantee that a prescription will be written. MDLIVE operates subject to state regulation and may not be available in certain states. MDLIVE does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. MDLIVE physicians reserve the right to deny care for potential misuse of services.
MDLIVE is an independent company that provides telephonic physician services and does not provide Member Benefits products or services. MDLIVE is solely responsible for the service provided.
A Supplemental health credit is provided by the TRUST for participating members that choose to add supplemental health coverage to their health coverage package through the EXCHANGE. The supplemental health credit covers the full cost of the Enrollee-Only Basic plan option. Members may also choose to apply the credit to the cost of family coverage and alternative supplemental health plan options available through the EXCHANGE. Credit may be discontinued at any time at the discretion of the TRUST.
Basic AD&D coverage is provided by the TRUST on a complimentary basis and may be discontinued at any time at the discretion of the TRUST.
**Medi-Share is not insurance or an insurance policy nor is it offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other member will be compelled by law to contribute toward your medical bills. As such, Medi-Share should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not Medi-Share continues to operate, you are always personally responsible for the payment of your own medical bills. Medi-Share is not subject to the regulatory requirements or consumer protections of your particular State’s Insurance Code or Statutes.