No. Whether you are self employed, freelancer, small business owner, or part-time or full time employee of another company, you can enroll as an Associate with 1099 Workers. 

Most individuals can enroll if they are: 

• 18 years of age or older 
• Legally authorized to work in the U.S. 
• Actively working 

To access group benefits, you must be employed by the sponsoring organization.

By enrolling, you become a part-time, on-call W-2 Associate of 1099 Workers. This structure allows you to access benefits typically only available through employers.

As an Associate, your role is flexible and on-call. You may choose to participate in promoting or engaging with the 1099 Workers platform, but there are no required tasks, minimum hours, or obligations tied to your enrollment.

No. The Associate role is part-time, flexible, and on-call.

There are no required hours, tasks, or job responsibilities tied to your enrollment.

No. Your role is structured as part-time and flexible, and you are not required to perform any specific tasks or meet minimum hour requirements. Any services you choose to perform are voluntary and subject to mutual agreement.

No. This does not affect your current employment, self-employment, or business. You can continue working wherever and however you choose.

The easiest way to think about it is like a very small part-time role — not for income, but to access group benefits.

No. You are enrolling through 1099 Workers to access group health benefits.

Your major medical coverage is provided through the CoreChoice program, a union-sponsored group plan.

1099 Workers has year-round enrollment that is open month-to-month. 

You can select to have your medical benefits start as early as the 1st of the month following 30 days from when you begin your enrollment. You must ensure to complete your enrollment and onboarding by the end of the month you started your enrollment. 

For example, if you start your enrollment in January, you can select benefits to start as early as March 1st. To ensure you have your benefits start March 1st, you must complete all enrollment and onboarding steps by end of January 

Enrollment Sequence: 

Month 1: Complete your enrollment and onboarding (In this month is when you can select to choose when your benefits will begin. The earliest is 1st of the month following 30 days) 

Month 2: First months payment processed on 1st and 15th 

Month 3: Benefits begin on 1st of the month 

1. Complete your profile, 
2. Select your benefits, 
3. Digitally sign your new hire packet,  
4. Submit your enrollment application, 
5. Complete your E-Verify, I-9, Direct Deposit and W-4 verification, 

Once completed, you will receive a Welcome email which includes your enrollment guide. 

Form I-9 is a requirement for all U.S. employers. It is used to verify the identity and employment authorization of individuals hired for work in the United States.

You are enrolling through 1099 Workers, which provides access to group benefits and manages your enrollment and ongoing support.

Your major medical coverage is provided through the CoreChoice program, a union-sponsored group health plan.

CoreChoice is the name of the benefits program through which your major medical coverage is provided.

It is a union-sponsored group health program that gives you access to nationwide coverage and provider networks.

 No. You are not enrolling directly with an insurance carrier. 

1099 Workers facilitates access to group benefit offerings and manages your enrollment experience. Your medical coverage is provided through the CoreChoice program, which uses a national PPO network. 

You will have the option to pick from one of our several major medical plan options, including low deductible, high deductible, and HSA options. 

From there, you have additional benefit options that you can take or leave, such as dental, vision, accident, and other supplemental plans. 

You must enroll in one of the major medical benefits in order to enroll in any of the supplemental group benefits or contribute to 401k. 

You may make changes until your application is submitted. Thereafter, you can only make changes if you have a qualifying life event or during annual open enrollment. 

Open enrollment typically occurs towards the end of 4th quarter of the year (beginning around November). 

During this time, you will be notified of: 

• Any plan design changes 
• Any premium (rate) adjustments 
• Your opportunity to select a new plan or keep your current one 

Our group health plans renews on a calendar year basis, January to December. This means any changes to plan offerings or pricing take effect at the start of the new plan year in January. 

All major medical deductibles and maximum out-of-pocket (OOP) limits operate on a calendar year basis. 

This means they reset every year on January 1. 

No. Deductibles and out-of-pocket amounts do not transfer from plans you had with other employers, individual marketplace plans, or other insurance providers.

When you enroll in a new plan through 1099 Workers, your deductible and out-of-pocket totals will begin fresh based on the plan you select.

Deductibles for major medical plans also reset each year on January 1.

All major medical plans use the Anthem BlueCard PPO network.

To search for providers, click Here and follow these steps:

• Visit the Anthem provider search site
• Select “Medical Plan or Network”
• Choose “National PPO (BlueCard PPO)”
• Enter your location to find in-network providers 

If you experience a qualifying event and want to adjust benefits, you can call our support team within 30 days of the event. 

Here are some examples of qualifying events and the necessary documentation: 

• Becoming a parent: Birth certificate or adoption record 
• Getting married: Marriage certificate 
• Getting a divorce: Filed court papers 

For a complete list of qualifying life events, click Here. 

Yes. You may cancel your benefits at any time by submitting a written request to cancellations@1099workers.com.

Because your benefits are provided through your role as a 1099 Workers Associate, cancelling your benefits will also result in resignation from your Associate position.

Your benefits will remain active through the remainder of the month in which your cancellation request is received.

These plans use the First Health PPO Network.

You will receive an ID card with provider information and access to the First Health provider directory so you can search for in-network doctors, hospitals, specialists, and facilities.

Using in-network providers helps reduce your out-of-pocket costs.

You can search providers here:
https://www.firsthealthlbp.com/LocateProvider/LocateProviderSearch/

You can check your provider network by:

• Searching the First Health PPO provider directory
• Calling the phone number on your ID card
• Asking your doctor’s office if they participate in the First Health PPO Network

It is always recommended to confirm network participation before receiving services.

Yes — if your doctor participates in the First Health PPO Network.

If your provider is out-of-network, services may not be covered.

Generally, no.

These plans do not cover out-of-network services except in limited situations such as:

• Emergency care
• Certain services at an in-network hospital (such as anesthesia, radiology, pathology, etc.)

For the best coverage, you should use First Health in-network providers whenever possible.

A copay is a fixed dollar amount you pay for a covered service.

Examples may include:

• Primary Care Visit
• Specialist Visit
• Urgent Care
• Emergency Room
• Imaging or Lab Services

After your copay, the plan may pay the remaining covered amount based on your plan benefits and annual service limits.

Yes.

These plans include annual limits on certain services such as:

• Doctor visits
• Specialist visits
• Urgent care visits
• Emergency room visits
• Diagnostic testing
• Physical therapy
• Mental health visits
• Surgeries
• Hospital admissions

Once the yearly limit is reached, additional services may not be covered.

Always review your plan brochure for full details.

Your Out-of-Pocket Maximum is the most you pay during the plan year for covered deductibles, copays, and coinsurance before the plan begins paying 100% of additional covered expenses.

Important: this only applies to covered services within your plan limits.

Non-covered services, penalties, and out-of-network expenses may still be your responsibility.

Referrals are generally not required for specialist care.

However, some services do require pre-notification or pre-authorization, such as:

• Hospital admissions
• Outpatient surgery
• Certain inpatient services
• Some advanced procedures

If pre-notification is not completed when required, a penalty may apply.

Emergency room services are covered, even if the provider is out-of-network.

Federal law also protects you from surprise billing for emergency services and certain hospital-based services.

If you are admitted, your ER copay may be waived depending on your plan.

Simply provide your insurance ID card.

Your provider should use the billing instructions listed on the card when submitting claims.

If billing is sent incorrectly, claim processing may be delayed.

Yes.

Prescription coverage is included through a separate Pharmacy Benefit Manager.

Coverage includes:

• Generic medications
• Preferred brand medications
• Non-preferred brand medications

Specialty medications are not covered on the plan. There may also be monthly prescription benefit limits.

These plans provide affordable preventive care and fixed copays for common services, but they are not unlimited coverage plans.

Many services have annual visit limits, pre-authorization requirements, and network restrictions, so it’s important to review your benefits carefully before receiving care.

1099 Workers processes payments on the 1st and 15th of each month.  

Payments are collected prior to your benefits becoming active. 

For example, if your benefits start on January 1, your first payments will be collected on December 1 and December 15. 

1099 Workers will collect the payments from your chosen payment method (set up during the online enrollment process) and process that through our payroll. 

Because you are enrolled as a W-2 Associate, all benefit payments are processed through payroll.

You fund 100% of your selected benefits, including applicable taxes and fees. This results in a minimal net paycheck, which is why you may see a small salary amount.

When you enroll with 1099 Workers, you are onboarded and hired as a part-time W-2 employee of 1099 Workers. Payments you make are processed through our payroll to cover the cost of insurance, applicable taxes and fees, and typically result in a negligible net salary. 

You receive a W-2 at the end of the year showing wages and pre-tax benefit contributions. This does not change your primary status as a 1099 contractor, self-employed individual, or business owner. 

Possibly. Because every business and tax situation is different, we strongly recommend consulting your own CPA or tax advisor for confirmation. We do not provide tax advice.  

Many individuals who enroll with 1099 Workers are self-employed, freelancers, or business owners, and in many cases the cost of health insurance may still be deductible as a business expense.