HEALTHCARE
As a benefit of membership, the Musicians Union offers both dental & health insurance for an additional charge.
Dental
The Musicians Union also has a group dental plan with Dental Health Services www.dentalhealthservices.com. Monthly premium prices as of 12/1/2011 are as follows:
- 1 person $28.53 (includes .50 cent sur-charge)
- 2 People $55.53 (includes .75 cent sur-charge)
- 3 People $73.91 (includes $1.00 sur-charge)
- 4+ People $94.59 (includes $1.00 sur-charge)
Another option for dental care is access to Sunrise Dental services. This is not a monthly plan but a group of dental offices that offer large discounts to Union members and their families. Call or email us for more information on Sunrise Dental Services.
Medical
The Musicians Union has a group health plan with Group Health www.ghc.org. Rates are monthly and tiered by age group.
PDF Summary of Benefits 2011-2012
PDF Summary of Benefits 2012-2013
PDF Current Coverage Agreement 2011-2012
PDF Current Coverage Agreement 2012-2013
Please know that open enrollment for this plan is in March (to start on April 1st) for all current members. If you are just now signing up for membership to the Musicians Union, you may join this plan within your first month of membership.
GROUP HEALTH PLAN
MONTHLY premium rates shown below are paid monthly and include a $1.00 surcharge.
| AGE BRACKET | 2012-2013 RATES | 2013-2014 RATES | |
|---|---|---|---|
| Ages 20-24 | $412.20 | $448.33 | |
| Ages 25-29 | $440.09 | $478.66 | |
| Ages 30-34 | $470.35 | $511.58 | |
| Ages 35-39 | $506.70 | $551.12 | |
| Ages 40-44 | $552.09 | $600.50 | |
| Ages 45-49 | $606.61 | $659.81 | |
| Ages 50-54 | $692.90 | $753.68 | |
| Ages 55-59 | $840.37 | $914.10 | |
| Ages 60-64 | $1116.37 | $1214.35 | |
| Ages 65+ | $1513.70 | $1646.58 | |
| Dependent First Child | $332.08 | $361.17 | |
| Each Additional Child | $457.08 | $498.01 | |
| Medicare A & B | Unlocked $1513.70 | Unlocked $1646.58 | |
| Office Visit/Co-Pay | $30 | $30 | |
| Prescriptions (generic) | $20 | $20 | |
| Prescriptions (brand name) | $40 | $40 | |
| Emergency Room (deductible) | $100 copay/$100 coins. | $100co-pay+ 20%co-ins | |
| Annual Deductible | $500 | $500 | |
| Out of Pocket (member) | $2000 | $2000 | |
| Out of Pocket (family) | $6000 | $6000 | |
| Plan Co-Insurance (plan pays 80%) | 20% | 20% | |
OTHER INSURANCE OPTIONS FOR AFM MEMBERS
The American Federation of Musicians also offers other Health Insurance options. See their page for a complete listing. More information on the AFM plans for members through the Marsh Affinity Group can also be found here.
Healthcare Resources for all Professional Musicians
AHIRC - Artist Health Insurance Resource Center Connecting artists, craftspeople and entertainment industry workers around the country to health insurance and affordable health care since 1998.
The Musicians Foundation, Inc Helps professional musicians by providing emergency financial assistance in meeting current living, medical and allied expenses.
The Jazz Foundation of America They can help with emergency living expenses, medical care, housing and performance opportunities for Jazz and Blues musicians.
The Jeremy Wilson Foundation The Jeremy Wilson Foundation is a non-profit 501(c)3 organization dedicated to helping uninsured and underinsured NW area musicians and their families in times of medical crisis. The Foundation also aims to aid musicians and their families in obtaining day-to-day health care through education and referrals to assist them in acquiring adequate healthcare and insurance.
Sweet Relief Sweet Relief Musicians Fund provides financial assistance to all types of career musicians who are struggling to make ends meet while facing illness, disability, or age-related problems.
