Become a Participating Employer

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
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 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
  • Anthem PPO Dental & Met Life Vision: Both plans offer vast networks of providers and coverage for preventative and supplemental care.

Bundle 2: Life, Disability & EAP

  • Basic Life and Accidental Death & Dismemberment: The Life insurance benefit (either $25,000 or $50,000 depending on employer) will be paid to the designated beneficiary in the event of death while covered under the plan. The Accidental Death & Dismemberment benefit will be paid in the event of a loss of life or limb by accident while covered under the plan.
  • Short-Term Disability: This benefit covers 60% of your employee’s weekly base salary up to $3,000 per week and includes disability due to pregnancy and/or childbirth. The benefit begins after a 7 day waiting period. The benefit duration is based on your State of residency. Please see the Benefit Summary for complete details.
  • Long Term Disability: In the event your employee becomes unable to work due to a non-work-related illness or injury, this benefit covers 60% of the monthly base salary up to $12,500 per month. Long-Term Disability insurance is designed to pick up where Short-Term disability coverage ends. Please see the Benefit Summary and for complete details.
  • Employee Assistance Program (EAP): The Employee Assistance Program (EAP) can provide your employees and their families with guidance, focus, and support

    for a wide range of issues, such as personal, substance abuse, emotional stress, dependent care and work-related concerns. Covered employees can reach a specially trained counselor 24 hours a day for on the spot assistance. They can also access tools and resources directly from their phone. Get the free mobile app – just search for “LifeWorks”. All services are confidential.

Supplemental Benefit Plans

  • Supplemental Life and Accidental Death & Dismemberment: If the basic life insurance package ($25k or $50k) 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: This plan helps offset medical expenses such as emergency room fees, deductibles and co-payments that may result from a fracture, dislocation or other covered accident. If you enroll in the accident plan, you may also purchase coverage for your spouse/domestic partner and dependent children. Benefits are paid as a lump-sum, the amount is determined by the type of injury caused by the accident. You decide how to use the benefit.
  • Critical Illness: Provides a lump-sum benefit you can use to pay the direct and indirect costs related to any of seven covered critical illnesses: cancer, heart attack, major organ transplant, coronary artery bypass graft, Alzheimers, stroke or kidney failure. The benefit amount is $20,000 for employee and dependents will be offered 50% of the employee benefit amount ($10,000). The benefit will pay up to 3 times during the life of the policy.
  • Hospital Indemnity: The Hospital Indemnity plan pays cash benefits, currently $1,000, directly to you when you’re admitted to the hospital for an inpatient stay for covered services. You can use the money to help cover your medical plan’s deductible, coinsurance, or use the money to pay for everyday expenses like day care, utilities, and groceries. Cover yourself or you and your dependents. There is an additional benefit, currently $200, payable for each day (they do not have to be consecutive) that you are confined to a hospital, for up to 15 days per year.

    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, DOT Coordinator
    • Production Assistant, PA, Compliance Assistant

    Eligibility
    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 AICP.com. If you believe you meet the criteria to join the AICP, email DavidS@aicp.com to verify eligibility. From there, you are welcomed to join the PHBP!

    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: Make sure your PHBP Eligibility status as an Eligible AICP General Member is confirmed and any necessary dues are paid. AICP membership status can be confirmed with davids@aicp.com.

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

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

    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.