PLAN DESCRIPTIONS AND COSTS

Download the 2019 Health Plan Descriptions

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2019 PARTICIPATION AGREEMENTS AND STAFF COVERAGE FORM

Download the combined 2019 Participation Agreement and Staff Coverage form. These forms must be signed and received before coverage can commence.

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ONLINE BANKING

New and Improved ways to pay your bills on line in 2019. Details Coming Soon.

COMING SOON

FINDING A DOCTOR AND SELECTING AN HMO PRIMARY CARE PHYSICIAN

Download details on how to find an in-network doctor for the PPO and a Primary Care Physician (PCP) for your HMO coverage.

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PARTICIPANT AND DEPENDENT ENROLLMENT / DESIGNATING A PCP

Enroll your staff and their dependents for 2019. Download the forms here and return to them to the Plan’s administrator by December 1, 2018

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EVERYTHING YOU NEED TO SIGN UP AND ENROLL!

Download a complete kit with all the Forms, Instructions, Benefit Summaries and Agreements you need in one convenient file.

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MEETING THE HEALTH CARE NEEDS OF THE COMMERCIAL INDUSTRY IN 2019

The health-care marketplace is complicated. Skyrocketing premiums, soaring deductibles and increased out of pocket costs are the new normal.

But at the PHBP we have you covered.

When we launched this plan in 2007 we made a commitment to offer free, high quality insurance for our freelance workforce, and in 2013 we expanded coverage to full time staff employees of our participating employers. In 2019 we offer a robust variety of plans to AICP General Members and eligible Associate Members, all intended to maintain the highest levels of care and coverage at rates designed to protect your bottom line.

Medical coverage will remain with Anthem Blue Cross, the nation’s largest network of providers.

Read below to learn more.

DETAILS FOR THE EMPLOYER

2019 Medical Benefits – Staff Employees

You may now choose from the following Anthem Blue Cross medical and prescription drug benefits for your staff employees. All plans utilize the most extensive networks offered by Anthem Blue Cross and its affiliated “Blue Card” Blue Cross Blue Shield networks where available.

  • PHBP Classic Premier PPO. With the highest annual premiums and lowest member out-of-pocket costs, this is the richest of all our medical options.
  • PHBP Classic Plus PPO. With lower annual premiums but higher out-of-pocket medical costs than the PHBP Premier PPO, this option offers employees meaningful coverage while costing employers less.
  • PHBP California Classic HMO. With lower annual premiums and out-of-pocket medical costs than the Premier and Select PPOs, this is a valuable option available to employees in California only.
  • PHBP HSA. This high-deductible PPO with an attached Health Savings Account (HSA) option brings our menu of medical benefits in line with current healthcare trends. While annual premiums are the lowest of all the options, out-of-pocket costs are the highest but employees and employers can make pre-tax contributions to a rolling savings account and use the funds to pay the deductible. Learn more about HSA’s here.

BENEFITS OPTIONS

If you join the PHBP, you may also purchase each of the following benefits bundles for your employees (benefits within each bundle cannot be purchased separately).

  • Anthem Dental and MetLife Vision: Both plans offer vast networks of providers and coverage for preventive and supplemental care.
  • Short and Long-Term Disability and Life Insurance: PHBP is creating a disability package that will be available on April 1, 2019. If you are interested, we will need your employee census data by February 1, 2018. Stay tuned for more information.

    CLICK HERE TO SEE 2019 PLAN DESCRIPTIONS AND RATES.

2019 POLICY AND STRUCTURAL ENHANCEMENTS

  • Post Production freelance job categories are being phased out and will no longer require freelance contributions.
  • The cost-sharing ceiling that you may elect your employees to contribute will increase from 25% to 50% of the cost of coverage. The cost of dependent coverage remains at the employer’s discretion.
  • The Plan will no longer charge scaled administrative or freelance assessment fees. The costs of each plan are consistent for all.
  • Covered Production Freelancer contributions will remain unchanged at 9%.
  • With the nationwide legalization of same sex marriage, eligible dependents are the same-sex and opposite-sex legally married spouses and their children.

DEFINITION OF A “COMMERCIAL”, ON WHICH ALL FREELANCE CONTRIBUTIONS ARE DUE

  • You have until December 1, 2018 to select your medical coverage and submit your staff and dependent enrollment forms. Click here to download enrollment forms.
  • Payment is Due December 15 for coverage effective January 1, 2019.
  • HMO Enrollments: All Participants and their covered dependents MUST select an In-Network Primary Care Physician (PCP) Medical Group prior to receiving care. Click here to download instructions. You can also Check to see if your current doctor is in the HMO Network. It is strongly recommended that you enroll with your PCP immediately.
  • All HMO enrollments that do not designate a PCP Medical Group will have one automatically assigned by Anthem Blue Cross.
  • PCP selections can be changed at any time directly with Anthem Blue Cross.
  • Signed 2019 Participation Agreements are due by January 1 and can be downloaded here.

COVERED FREELANCE JOB CATEGORIES:

The following job categories require contributions, including all modifiers, adjectives, prefixes, suffixes or descriptive terms that may be added to the job title except “Post” or other modifiers which indicate work done in a Post Production capacity.

  • Producer, Line Producer, Bidder
  • Production Manager, Production Supervisor
  • Production Coordinator, Asst. Production Supervisor, DOT Coordinator
  • Production Assistant, PA
  • Contributions will no longer be required or accepted on the following previously covered job categories: Animator (2D or 3D), CG Supervisor, Designer, Compositor, Effects Artist, Flame Artist, Colorist, Editor, Assistant Editor, Post Production Supervisor, Post Production Producer, Finisher, Render Wrangler, Stitcher, Technical Director, and any other “post” job as commonly understood in the industry.

NEW PARTICIPATING EMPLOYERS JOINING AFTER JANUARY 1, 2019

  • Coverage for new Participating Employers begins on the 1st of the month following a 90 day processing period from the date of receipt of a signed Participation Agreement and Staff Coverage Form.
  • Coverage for New Hires at already participating employers begins on the 1st of the month following a 30 day processing period from the date of hire.
  • Dependents can be added during the initial enrollment, or during open enrollment in December for coverage effective Jan. 1. Exceptions are made for “life events”, such as the marriage, birth, or when a spouse’s current employer-provided insurance is cancelled because the employer goes out of business, in which case the covered dependents join without interruption.

The Plan was designed with intra-industry cross over in mind.

CHANGING YOUR EMPLOYMENT FROM FREELANCE TO STAFF

  • Freelance coverage continues through the end of the month in which a Freelancer becomes staff.
  • Staff coverage begins the first of the following month (the day after the last day of Freelance coverage).
  • All unused months of the Freelancer’s current annual coverage period 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.

CHANGING YOUR EMPLOYMENT FROM STAFF TO FREELANCE

  • The former staff employee gets 2 days credit per month worked for a participating employer, for up to 36 total days credit (18 months of staff coverage).
  • The credited days will apply towards the 100 days needed to qualify for freelance coverage.
  • Standard Freelance eligibility rules apply. See “Eligibility Requirements” above.
  • Example: If a staff employee worked for 10 months at a participating employer, 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.

DEFINITION OF A “COMMERCIAL”, ON WHICH ALL FREELANCE CONTRIBUTIONS ARE DUE

PHBP contributions are due on all “Covered Productions”, meaning the Production or Post Production of any moving image work regardless of the method, means or medium of production or post production (whether film/tape/digital/animation/CG or other) that promotes or advertises a brand, product or service to the general public, (including ‘Branded Content’, ‘Promos’, ‘Internet Only’, ‘Social Media Only’) regardless of the format, medium, platform or channel of distribution, but excluding music videos. It is the presence of an advertising or promotional aspect of a project that cements its classification as a “Commercial”, regardless of how it was created or where it is distributed.

INTERESTED IN BECOMING A PARTICIPATING EMPLOYER AND JOINING THE PHBP?

Please email info@PHBP.org and request more details. Please include your name, business name, business type, basis for eligibility in the AICP, and a phone number, and we’ll get back to you promptly. Please note, only AICP eligible companies have access to the PHBP and questions regarding eligibility should go to DavidS@aicp.com.