The 2021 plan year Open Enrollment Period is is November 9th – November 22nd, 2020. Download the Guide for Employers.DOWNLOAD
Watch the 2021 PHBP Overview VideoProceed to your account
Estimate what the company costs would be based on the contribution type and bundle of plans offered.DOWNLOAD
Make elections for the 2020 plan year on which plan bundles you will be offering to your employees, how you are going to contribute, and what those contributions are going to be.GO TO FORM
As a contributing employer, you’ve agreed to cover your freelance employees, but you may also have opted to cover your staff employees with the same great "Cadillac" PPO, offered by Anthem, the nation’s largest network of providers. Enjoy the cost savings for staff coverage that comes with being a member of a large group plan. And as a contributing employer, you’ll attract the best of the best of the freelance workforce. Read below for all the details of membership.
As a Participating Employer, your contributions enable all eligible Freelance employees to receive Medical, Pharmaceutical, Dental, Vision, Short Term and Long Term Disability Insurance at no cost on an annual basis. The insurance automatically renews as long as the eligibility requirements are met each year.
To qualify for PHBP insurance coverage, a covered Freelancer must:
Only AICP members are eligible to participate in the PHBP:
The following job categories require contributions, including all modifiers, adjectives, prefixes, suffixes or descriptive terms:
All Contributing Employers pay 9% on the following covered freelance production categories:
Non-union (not signatory to the IATSE Commercial Production Agreement) Participating Employers pay 9% on the following covered post production categories:
PHBP contributions are due on all forms of advertising or promotion of a brand, product, or service (excluding music videos), regardless of the format with which it is created, or the medium with which it is distributed. Branded Content is a “Commercial.” Advertising on the ‘internet only’ is a commercial. The presence of an advertising or promotional aspect of a project cements its classification as a “Commercial”, regardless of how it was created or where it is distributed.
While Freelance Contributions are mandatory for all Participating Employers, Staff Coverage is Optional.
Employers may choose one of two options:
For Summary Descriptions of all benefits, click here.
Payment is made directly to the Plan’s Third Party Administrator (TPA). To make a payment, click here.
Staff Employee Cost Sharing:
The Plan was designed with intra-industry cross over in mind.
Freelance coverage continues through the end of the month in which a Freelancer becomes staff, and staff coverage begins the first of the following month. All unused months of the Freelancer’s coverage can be banked for up to 18 months and can be used immediately to reinstate coverage if the staff employment ends within the 18 month banking period.
The former staff employee gets 2 days credit per month worked, up to 36 days credit (18 months) to apply towards the 100 days needed to qualify for freelance coverage. Qualifications remain the same. Example: If a staff employee worked for 10 months, s/he would get 20 days credited towards the needed 100 days. The former staff employee would therefore need to either earn $35,000 or work (only) 80 days in the first year in order to qualify for freelance coverage.
If a covered staff employee leaves the employ of one participating employer to work at a different participating employer, the transfer of coverage is immediate and without interruption.
Please note the above information is an abbreviated overview of the PHBP, and the Participation Agreement will supersede the information presented here.
Call or email the Plan’s Executive Director, Sean Cooley at 323-960-4781 or SeanC@phbp.org