The Texas Bar Private Insurance Exchange is available to members of the State Bar of Texas (as well as their spouses and employees), paralegals, and law students.
We offer a wide-range of health options from leading providers 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 from so you can find what works for your lifestyle and financial picture.
Choose an option to start shopping for Individual Health Coverage:
ACA-Compliant Health Insurance
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.
Non-ACA Health Insurance
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.)
Medi-Share is an affordable biblical-based alternative to Health Insurance. It is a healthcare-sharing ministry where members share each other’s medical bills.**
How is this private insurance exchange different than healthcare.gov or other websites?
The Private Insurance Exchange provides you with the best possible pricing and allows you to shop and compare all of the carriers in the private market at once. Additionally, you have access to the assistance of a licensed Benefits Counselor that has your individual needs in mind. Our benefit counselors are committed to unbiased representation of all carriers and plan options. You are also able to enroll in other exclusive benefits such as supplemental health, telehealth, dental, vision, disability, etc. at the same time as your medical enrollment. This creates a one-stop-shop for all of your benefit needs. Your benefit elections are maintained in your personal account where you are able to log back in, view your benefits at any time during the year, and renew for the following year.
How do I look up my doctors?
Inside the exchange there is a provider search link next to each plan description and includes instructions of how to search the network. See below for an example of where it is located:
How do I know if my prescription is covered?
When you are shopping, select “View Plan Details”
Next, scroll down to the “Prescription Drug” section and select “Prescription Drug Search”
What are the important dates for enrolling in health coverage?
- November 1: Open Enrollment begins.
- December 15: Last day to enroll in or change plans for new coverage that starts January 1.
- January 1: Coverage starts for those who enroll or change plans by December 15.
- After December 15: You can still buy a health plan if you qualify for a Special Enrollment Period.
If my employer offers coverage am I able to enroll in a plan through this Insurance exchange?
Yes, you are able to enroll in an individual policy on the private exchange if your employer offers coverage however, because your employer offers coverage you are not eligible for a subsidy on the public exchanges.
If I have a claim issue who do I contact?
You will want to call the number on the back of your insurance ID card. All of the carriers have a designated claims department that will be able review any claims that a provider has submitted and explain the charges. If you have created a member log in with the insurance carrier you should also be able to access your claims online through the carrier website listed on your card.
How do I update or change my billing information for my health insurance?
To change or update your health insurance billing information you may contact the carrier’s billing department by calling the number on the back of your ID card. If you have created a member log in with the insurance carrier you may also be able to change your billing online through the carrier website listed on your card.
How do I change my address?
To change your address with your health insurance carrier information you may call the number on the back of your ID card. If you have created a member log in with the insurance carrier you may also be able to change your address online through the carrier website listed on your card.
How long do I have before I need to apply?
Please try to enroll as soon as possible as carriers are extremely backed up due to all policies being issued and renewing on the same date. Please note that if your deadline occurs on a week end you should submit your application to us by noon on the Friday before or if it occurs on a week day please submit before noon on day prior to the final day to ensure that the application is processed and you receive your requested issue date.
What information do I need to enroll?
For all family members that will be included in coverage you will need the dates of birth, social security numbers and premium payment. All carriers require that the initial premium payment is submitted upon applying. A carrier will not accept an application that does not have payment.
Am I able to enroll my dependents if I waive coverage due to having other coverage?
Yes, the Private Insurance Exchange is available to members and their dependents. Spouses and children may enroll even if the member waives the coverage.
Costs & Savings
Do I have to meet my deductible before I pay a copay?
Most services where a co-pay is noted the service is covered before you meet your deductible and the deductible is waived. There may be a few exceptions where you will have to meet a deductible prior to your copays. For example, for certain Rx tiers you may have a separate Rx deductible prior to paying a copay. In these cases, you pay up to the Rx deductible before the copays apply. You will want to review the SBC for full coverage details.
When does my deductible apply?
For any service not covered by a co-pay you pay up to your deductible at the “negotiated” (lower) rate – then you pay your coinsurance % (0, 10, 20 or 30 percent usually) until you reach a total cost (including deductible) which is called your out of pocket maximum – after that you are covered 100% for covered services for the balance of the year.
What does the term “Out of Pocket Maximum” refer to?
OOPM is the most that you pay for covered services before the carrier covers at 100%. The OOPM includes the deductible, copays, coinsurance and Rx.
Does the law require me to be insured by a qualified health plan all year to avoid a tax penalty (individual mandate)?
No. If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you (or your tax dependents) don’t have coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee at all.
Can receive care from any doctor you choose, no referral for specialty care (except UHC FL), may use out-of-network doctors – but may have to pay addition fees. PPO plans typically have higher monthly premium.
Very similar to a PPO. Biggest difference is the contract between the insurance carrier and healthcare providers.
Must pre-select an approved Primary Care Physician, referrals are needed and for most plans there are no out of network benefits except for qualifying emergencies. HMO plans typically have lower monthly premiums.
Hybrid network that has limitations that vary based on the carrier. In some instances, you would need to get referrals and may not have coverage for out-of-network. These plans typically have a lower monthly premium.
Recent health insurance news.
* 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.