Because the TDCBT is a self-insured plan, it has many benefits, including the ability to design plan and deductible options.  The TDCBT offers 10 different plans with deductible options ranging from $0 to $7,350, including Health Savings Account (HSA) eligible plans.  To review our plans, click here.  The TDCBT utilizes the Aetna network, which provides members with a robust network of providers and facilities.

The TDCBT is a self-insured, member-owned Tennessee MEWA health plan.  It’s an employer plan, which means the practices that enroll in the plan will be required to offer the plan to all full-time employees (defined by the ACA as working 25+ per week).  No employer contribution is required, however if an employer chooses to make a contribution, it must be on a non-discrimination basis.  Employees can decline the coverage by completing a waiver.

TDA benefits beyond coverage


10 Health Plan Options | Traditional copay plans and high-deductible HSA health plans with varying deductibles and coinsurance.

3 Prescription Plan Options | 2 copay plans and 1 HSA-compatible deductible plan.

Large National PPO Network | Aetna offers a robust network of providers and facilities.

Aetna One Advocate (A1A) | Exceptional concierge customer service to help you navigate the complexities of your health benefits.


MORE THAN JUST HEALTH – In addition to the health benefits of the TDCBT, you will also have the opportunity to add additional ancillary products that can help your practice attract and retain talent.

A PLATFORM THAT PERFORMS – Our goal is to streamline your entire human resources, benefits, and payroll processes so that they run optimally and are as efficient as possible.  Our platform is intuitive and easy to use for employees, HR managers, and administrators.

HEALTH SAVINGS ACCOUNTS – The TDCBT offers two plans that can be paired with an HSA.  When combined with a high-deductible health plan, the pair offers savings and tax advantages that a traditional health plan cannot duplicate.