Who CCA is built for
Clinicians Care Association is for licensed clinicians working as 1099 independent contractors, in private practice, or in any flexible arrangement that does not include a traditional employer benefits package. That includes therapists, counselors, social workers, dietitians, occupational therapists, physical therapists, nurse practitioners, and other licensed providers who have stepped outside the W-2 system to set their own schedule, choose their own caseload, and run a practice that fits their life.
Independence is rewarding. Losing the safety net is not. CCA was built to put the safety net back at the lowest possible price, with no employer required.
What CCA membership includes
Group-rate health, dental, and disability insurance
Members access group-rate health, dental, vision, and short and long-term disability plans through CCA's licensed insurance partners. Group rates are typically lower than what individual 1099 clinicians can find on the open market, especially for disability coverage. Members can review options, compare premiums, and enroll year round. See the full breakdown on the insurance page.
Tax strategy and bookkeeping support for 1099 income
1099 income is messy. Quarterly estimates, home office deductions, retirement plan choices, and entity decisions all matter, and they all shift every year. CCA gives members access to a vetted tax network that understands clinician practices, plus quarterly check-in resources, deduction checklists, and a referral list of CPAs who specialize in private-practice clinicians.
Employee Assistance Program (EAP)
Independent clinicians give support all day. Most do not have access to the kind of EAP that W-2 employees get for themselves. CCA includes a confidential EAP for members covering short-term counseling, financial counseling, legal consultations, and work-life resources, available by phone or video.
Financial planning for variable income
Variable income means traditional financial advice often misses the mark. CCA members get access to financial planning resources designed around 1099 cash flow: emergency fund sizing for irregular months, retirement plan selection (Solo 401(k), SEP IRA, or defined benefit), tax-advantaged saving for college and healthcare, and basic estate planning checklists.
A private peer community
Membership includes access to the private CCA community of independent clinicians. Members ask each other questions about insurance billing, credentialing snags, malpractice carriers, supervision, retreat planning, and the daily practical questions that graduate school does not cover. No pitches, no recruiters, no platform sales reps.
For the full benefits list in one view, visit the benefits page.
How membership works
- Sign up on the membership page for $20 per month, billed via Stripe.
- Get an immediate confirmation and a link to the member portal where insurance enrollment, the community, EAP details, tax resources, and financial planning content all live.
- Use what you need. Skip what you do not. Membership is month to month and you can cancel at any time from inside the portal.
Why $20 a month works
CCA does not take a cut of insurance premiums and does not earn referral fees from financial planners. Membership dues fund the staff, the technology, and the partner negotiations that keep group rates available. That keeps incentives clean and prices low. $20 a month is the floor that lets us run the association without being beholden to any single insurance carrier or financial product.
Frequently asked questions
Who can join CCA?
Any licensed clinician practicing in the US as a 1099 contractor, sole proprietor, or owner of a small private practice. We do not currently serve W-2 employees of large group practices because their employer benefits package usually covers what CCA provides.
Is CCA insurance?
No. CCA is a professional association. CCA negotiates group rates with licensed insurance carriers, and members enroll directly with those carriers. CCA does not underwrite, sell, or administer insurance.
Can I cancel any time?
Yes. Membership is month to month with no contract. Cancel from inside the member portal and you will not be charged again.
Do I have to use every benefit?
No. Many members join for one specific benefit (group disability is a common entry point) and pick up the others over time. The flat $20 covers everything.
Do you serve clinicians outside the US?
Not yet. CCA's insurance, tax, and EAP partners are US-only at the moment.
How is CCA different from a professional license body or a malpractice carrier?
Professional license bodies handle licensure and continuing education. Malpractice carriers handle malpractice. CCA covers everything else that an employer would normally cover: health coverage, disability, EAP, retirement planning support, and a peer community.
What happens to my data?
CCA only stores the member information needed to run the association. Insurance applications go directly to carriers. Tax referrals go directly to the CPA you select. Full detail is on the privacy policy page.
Where do I sign up?
On the membership page. Sign-up takes about three minutes and uses Stripe for payment.
For more questions, visit the full FAQ.
