Join PHBP - Employers 2020

If you are a General Member of the AICP, we invite you to explore the Plan’s offerings for 2020. The PHBP began as way for Participating Employers to offer quality health insurance to Commercial Freelance Production professionals. While you do need to be a member of the AICP to join, please note you do not need to be a signatory to any union or guild contract to participate in the AICP or the PHBP and contribute to your Freelancers' health care. PHBP also offers staff coverage to eligible Production and Post Production General Members. You’ll see several options available to help you cover your staff and their families, reduce costs, increase benefits, and stay competitive in the ever changing environment of the commercial production and post production industries.

2020 Medical Benefits – Staff Employees
dYou 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 IRS qualified 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.
  • You may elect to share up to 49% of the cost of coverage with your covered employees. Dependent coverage cost sharing is at your discretion.

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).

Bundle 1: Vision & Dental

Bundle 2: Life, Disability & EAP

  • Basic Life and Accidental Death & Dismemberment
  • Short-Term Disability
  • Long Term Disability
  • Employee Assistance Program (EAP)

Supplemental Benefit Plans

  • Supplemental Life and Accidental Death & Dismemberment: If the basic life insurance package is provided, employees may purchase additional portable term insurance of up to $1 Million dollars, plus an accompanying accidental death & dismemberment policy. They may also purchase life insurance for their spouse/domestic partner (up to $100k) and children ($10k).

Voluntary Benefit Plans

Each plan is available to every employee of a PHBP participating employer and may be purchased based on an individuals needs and desired levels of coverage and protection.

  • Accident
  • Critical Illness
  • Hospital Indemnity

    Coverage for Your Freelancers
    Historically, the PHBP was created as a means of providing coverage to the commercial industry’s non-union freelance Production employees. While that tradition continues, we recognize that some Eligible Members do not employ Production freelancers and as such will only cover their regular, full time employees.

    For Participating Employers who employ Freelance Production Employees: All Participating Employers contribute 9% of all gross earnings of their Freelance Employees in the following covered job categories, (including all modifiers, adjectives, prefixes, suffixes or descriptive terms):
    Please note contributions are due on all covered work, regardless of the employer’s method of payment, i.e. through payroll as a w-2 employee or through internal or external accounting as a 1099 Independent Contractor or ‘Contract’ Worker.

    • Producer, Line Producer, Bidder
    • Production Manager, Production Supervisor
    • Production Coordinator, Asst. Production Supervisor, Compliance Assistant
    • Production Assistant, PA, Compliance Assistant

    Only General Member Production and Post Production company members of the AICP (Association of Independent Commercial Producers) are eligible to join the PHBP. See more about the AICP and its membership rules at If you believe you meet the criteria to join the AICP, email to verify eligibility.

    Perks of being a Participating Employer
    Participation in the Plan may also enable your company to be compliant with the Affordable Care Act, which still requires large employers with 50+ full time and/or full time equivalent employees, of which most freelance employees on a commercial film set or post house are considered, to provide a basic level of health insurance or face penalties from the IRS.

    The Plan began offering coverage to Freelance Commercial Production Professionals in 2008. In 2020, the PHBP will provide Medical, Prescription Drug, Vision, Dental, Short and Long Term Disability coverage and Life insurance to approximately 1,600 members of our industry’s freelance work force. That workforce includes the industry’s most experienced freelance professionals, and PHBP participant employers who can offer their freelance employees a compensation package enhanced with PHBP Benefits have a distinct advantage over the competition and are better positioned to attract the best commercial freelance production professionals in the business.

    What’s Next
    Step 1: Only General Member Production and Post Production company members of the AICP (Association of Independent Commercial Producers) are eligible to join the PHBP. See more about the AICP and its membership rules at If you believe you meet the criteria to join the AICP, email to verify eligibility.

    Step 2: Submit your signed Staff Election form and Participation Agreement. Please contact for the forms and more information.

    The PHBP is here to guide you through this process and answer any questions you many have. Please email 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

    This is not an offer to sell insurance but information about employer sponsorship and maintenance of a fully insured group health plan offered through an employer’s membership in the Association of Independent Commercial Producers, Inc., a trade association, for the benefit of the member’s employees. This notification is subject in all respects to the terms and conditions of the Plan’s insurance carrier policies, the Plan’s eligibility and administrative rules, regulations, participation agreements, policies, resolutions, trust agreement and other plan governance and administration documents which shall control in the event of any conflict with anything contained in this notification. The Trustees of the Plan reserve the exclusive right to interpret the Plan’s eligibility and administrative rules, regulations and documents.