How to Cover Your Family

Covering your family is easy, and there's never been a better time to do so. Effective January 1, 2016, PHBP implemented a new dependent cost structure for our freelancers, resulting in dramatic cost savings for our freelance community. A freelancer with a spouse and two children pays only $450 a month for health benefits, including medical, dental, and vision, rather than the full amount of the premium that Anthem requires, $1,570.33 - that's a cost savings of over $1,000 per month.

The new cost structure works as follows: pay $250.00 per month for the first dependent, whether the dependent is a spouse, domestic partner, or child, and then $100.00 per month for each dependent thereafter.

Process for electing coverage for your family:

1. A freelancer may elect a dependent election during Open Enrollment (period typically spans from November until December 31st of the calendar year prior to the plan year), or when a "qualifying event" occurs. A "qualifying event" would be an event that qualifies as life event, such as a birth, death, marriage, or divorce. If looking to change or initiate a dependent election resulting from a "qualifying event", the Plan and your Employer must be notified within 31 days of the "qualifying event".

2. Complete the election from attached, and submit to Benesys Administrators, Inc., by mail/overnight to: PHBP, C/O BeneSys, P.O. Box 2340 West Covina, CA 91793, or by secure fax at 925-478-4839.