Table of Contents » Chapter 1 : Pre Graduation » Chapter 1 : Health Insurance

Chapter 1 : Health Insurance

An individual seeking health insurance without a group is a very expensive prospect. By joining one of the groups listed below, you will be able to get insurance at a group rate. Before joining, you can get quotes from different group plans to find the best plan and best deal for you and your situation. Recently here has been a major shift in our governments relationship to health care. The first entry here is based on this new information.

PPACA (Patient Protection and Affordable Care Act)
also known as ObamaCare:

Overview:
Health reform, which is formally known as the Patient Protection and Affordable Care Act (PPACA), but also known as Obamacare, has already made changes to health insurance with may more to come. The goals of health reform are to improve the overall quality of care, increase assess to affordable insurance coverage, and control overall US health care costs. And regardless of whether you support health reform, everyone who accesses health care in the US will be impacted by the changes and it is in your best interest to understand how health reform will impact you.

Resources:
For an overview of the law and what it means for individuals, families, or employers visit: healthcare.gov. This is the “official” site of health reform. The site has everything from basic information about health reform, to covered preventive health services, to a timeline of changes under the law. In January of 2014, everyone will be required to have health insurance in the US. This Health Insurance Finder: finder.healthcare.gov. will help identify what insurance you may be eligible for (public or private) and how to apply. They have specific information for those who are self-employed as well: healthcare.gov/self-employed/

The Kaiser Family Foundation has reliable information about health reform and what it means for individuals and families. A few important things they offer:


NATIONAL


American Association of Museums
aam-us.org

Offers health insurance to independent curators, consultants, professional staff, volunteers and artists working for museums. Membership is open to anyone, but membership fees vary, from $35-$140 annually, depending on salary range and the nature of affiliation with museums.

1575 Eye St. NW, #400 Washington, DC 20005
Phone: (202) 289-1818


The Potters Council (Heath Insurance for Artist)
ceramicartsdaily.org

“With its multiple plans and an extensive network of national providers (over 750,000), insurance through the potters council is one of the most comprehensive health insurance programs available. You must be a member of the Potters Council, for a free quote, please call (866-425-3335).”


College Art Association Group Insurance Plan
collegeart.org/partners

Offers health care insurance to members, administered by Wohlers Insurance. Membership is $50 and up for students annually, according to salary. Membership is open to non-students at a higher rate.

For insurance information, call Wohlers Insurance at: (800) 503-9230.
275 Seventh Ave., 18th Floor, New York, NY 10001
Phone: (212) 691-1051


Artists’ Health Insurance Resource Center
actorsfund.org

The mission of AHIRC, a partnership of the National Endowment for the Arts and the Actors’ Fund of America, is to provide the arts community with the information necessary to make informed choices about individual and small business group health insurance options.


National Association for the Self-Employed
nase.org

Provides major medical, PPO, and HMO, through several different insurance companies, to members. Membership fees are $72 for Access, $240 for Gold and $360 for Platinum, annually. Membership is open to all; however, health benefits differ from state to state.

P.O. Box 241, Annapolis Junction, MD 20701
Phone: (800) 649-6273


Fractured Atlas
fracturedatlas.org

Fractured Atlas is a non-profit organization that serves a national community of artists and arts organizations. The programs and services facilitate the creation of art by offering vital support to the artists who produce it.They help artists and arts organizations function more effectively as businesses by providing access to funding, healthcare, education, and more, all in a context that honors their individuality and independent spirit.

248 W. 35th Street, 10th Floor, New York, NY 1000
Phone: (888) 692-7878
Email: support@fracturedatlas.org


RBA Insurance
rbainsurance.com

Roy Assad, broker, represents nonprofit groups and writes insurance for individual artists.

325 Clematis St, #400, West Palm Beach, FL 33401
Phone: (561) 909-6129


Small Business Service Bureau
sbsb.com

Offers health insurance such as HMOs, Blue Cross/Blue Shield, etc., to members. Membership fees vary by state. Membership is open to any business.

544 Main St. Worcester, MA 01608
Phone: (800) 262-2981


REGIONAL


e Health Insurance
ehealthinsurance.com

A general web page to find many health insurance options


State of the Art Newspaper (Montana)
dphhs.mt.gov

An article by James F Brown, National Director of Health Services at The Actors Fund, published in the September/October 2011 issue of State of the Arts. It contains information about how to get healthcare for Montana residents.


Arts and Cultural Council of Greater Rochester
artsrochester.org

Provides group health insurance to artist members who reside in the New York counties of Monroe, Livingston, Yates, Ontario, Seneca or Wayne. Membership is not limited to artists, but is open to only those living in these counties. Artists can choose from the plans offered by Excellus Blue Cross Blue Shield of the Rochester Area. Membership is $100, annually.

277 N. Goodman Street, Rochester, NY 14607
Phone: (585) 473-4000


New York Artists Equity Association
anny.org

Offers health insurance to members in New York, New Jersey and southern Florida. Members in all other states can call Mutual of Omaha to determine eligibility for alternative health care plans. Membership is $35 annually. Membership is open to anyone; however, those who are not visual artists cannot vote in association elections.

PO Box 1258 New York, NY 10276
Phone: (212) 941-0130
Email: reginas@anny.org


Support Services Alliance
ssamembers.com

Offers health insurance to its members, $50 annually. Providers depend on the region in which the member lives. Membership is restricted to residents of New York State, and membership fees are determined by the number of people in the group.

PO Box 130, Prospect St., Schoharie, NY 12157
Phone: (800) 909-2772


The AHIRC Directory
ahirc.org

Offers health care insurance. Membership is open to anyone interested in the arts.

Phone: Los Angeles (323) 933-9244 ext 32 New York (212) 221-7300 ext 265


Cultural Alliance of Greater Washington
cultural-alliance.org

Provides health insurance to members in the Washington, D.C., area. Annual dues vary and is open to anyone. Coverage plans are offered through United Healthcare. Rates vary based on the plan.

923 F Street NW #303 Washington, DC 20004
Phone: (202) 393-2161


Texas Fine Arts Association (TFAA)
museumsusa.org

Offers health insurance to members nationwide. There is access to health, dental and visual.

700 Congress Avenue, Austin, TX 78701
Phone: (512) 453-5312
Email: txfinearts@aol.com


Here are some questions to ask when comparing plans.

  • How many doctors can I choose from?
  • Is the network made up of private or group practice physicians?
  • Which doctors are accepting new patients?
  • Can I change my primary care physician?
  • What is the procedure for referrals to specialists?
  • How easy is it to get an appointment?
  • How far in advance must routine visits be scheduled?
  • What arrangements are there for handling emergency care?
  • What health care services are offered?
  • Are there limits to medical tests, surgery, or other services?
  • What happens if a special service is needed but not covered?
  • Where are the hospitals serving you located?
  • What happens if you’re out of town and need medical attention?
  • What is the yearly total for monthly premiums?
  • Are there any co-payments? For which services and how much?