Join the PHBP in 2019

If you are a General Member or Eligible Associate Member of the AICP, we invite you to explore the Plan’s offerings for 2019. 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 and those that support them.

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.
  • You may elect to share up to 50% 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).

  • 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.

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):

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

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.

If you have any questions or concerns about possible grey areas that may affect your company, see the “2019 Plan Details for Participating Employer” section of the website

Eligibility
Only General Member Production and Post Production company members and Eligible Associate 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 2019, 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 Associate Member or 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 2019 Participation Agreement. All staff elections must be received by December 1, 2018 for coverage effective January 1, 2019. Those forms are available online here and once completed should be sent to SeanC@phbp.org.

Click here to learn more about the 2019 PHBP benefits

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.