To qualify for insurance through any of our affiliated organizations, you may need to meet their eligibility standards, so thoroughly check their requirements. If you do opt for an insurance plan, you must contact that organization if you have any questions about your coverage. The information provided below is subject to change without notice, so please check the weblinks provided for the latest information.

Working Today, the Freelancers Union

For New York City residents, Working Today offers three health care plans through HIP:
HIP Select EPO #1
HIP Select EPO #2
HIP Prime POS (Point of Service)
HIP’s network includes over 2,000 doctors in the metro-New York area, and hospitals such as St. Vincent’s, Lenox Hill. Each plan includes preventive dental and optical, prescription drug coverage, and affordable additional coverage for spouse, children, or family. Click here for the latest rates, to read a summary of each plan’s benefits, and to find links to more detailed information.

Additionally, Working Today offers dental plans (Guardian MDG for $22.20/month, and Guardian PPO for $35.28/month), disability insurance, and life insurance. Click here to find links to Working Today’s full benefits.

Eligibility requirements: To be covered by Working Today’s insurance plans, you must:
• be a freelance or independent worker
• be a skilled computer user who has worked over 120 hours or earned $9,000 over three consecutive months, OR you must work for 20 hours a week over the past eight weeks in one of a number of industries (including non-profit, technology, arts & entertainment, or media & advertising)
• be a resident of New York City. That area is defined as: New York (Manhattan), Kings (Brooklyn). Queens, Bronx, Richmond (Staten Island), Nassau, Orange, Rockland, Suffolk, and Westchester. Note: Residents of neighboring states may join and be eligible for health insurance, but must use doctors in one of the counties listed above. Click here to check Working Today’s eligibility requirements, or email membership@workingtoday.org.

United States Federation of Small Businesses (USFSB)

The United States Federation of Small Businesses (USFSB) has secured coverage for our sole proprietor membership with Atlantis Health Plan upon the approval of 10 applications. Members of the Graphic Artist Guild residing or working in one of the five boroughs will be able to obtain this coverage. Next year, Atlantis is intent on expanding their coverage to Westchester and Nassau Counties.

If you are interested in obtaining either of these Atlantis Health plans or have questions, please call the USFSB's New York City office at (718) 701-0087. USFSB is anticipating having these plans available for April 1, 2006 if there is enough interest with GAG members.

A summary of benefits for the two plans offered are below. The rates listed will be as of January 1, 2006 and are subject to change at any time.

HMO 20 Low Option
Rates:
Individual: $278.67
Employee & Child: $518.58
Employee & Spouse: $515.97
Family: $771.78

Co-Pay:
Doctor Office Visits: $20
Hospital In-Patient: $500
Preadmission Testing: $20
Emergency Room: $50 (waived if admitted) Mental Health In-Patient: $500 (30 days/year) Mental Health Out-Patient: (20 visits/year): $20
Maternity: $20

POS 20 Low Option
Rates:
Individual: $297.97
Employee & Child: $557.39
Employee & Spouse: $554.57
Family: $831.28

Deductible: In-Network: 0; Out-of-Network: $2,000
Co-insurance: In-Network: 0; Out-of-Network: 70/30 Coinsurance

In-Network Co-Pay:
Office Visits: $20
Hospital In-Patient: $500
Preadmission Testing: $20
Emergency Room: $50 (waived if admitted) Mental Health In-Patient: $500 (30 days/year) Mental Health Out-Patient: $20 (25 visits/year)
Maternity: $20 Pre- and Post-natal; delivery paid in full

TEIGIT (The Entertainment Industry Group Insurance Trust)

TEIGIT offers health insurance for New York State, Connecticut and New Jersey residents..

For New York residents, the plans offered are:
GHI
Members are able to see any doctor in the GHI network without a referral, but there are no out-of-network benefits. Co-pays apply for office visits and prescription drugs.

Oxford Liberty Metro
Oxford Freedom Metro
Oxford Freedom Plan
Coverage for children, spouse, and family are available as well. Oxford’s Point-of-Service (POS) plans allow members to go to any doctor in or out of the Oxford network, with out-of-network expenses subject to co-insurance fees. For details on the Oxford plans and the latest rates, click here.

Eligibility requirements: To be covered by one of TEIGIT’s plans, you must:
• be a Guild member for a minimum of 60 days prior to your effective date of coverage.
• be self-employed in the arts and entertainment industry and work a minimum of 20 hours per week. Proof of self-employment is required.

For Connecticut and New Jersey residents, the plans offered are:
CIGNA HMO
This plan charges co-payments for office visits, hospital admissions and prescription drugs. Expenses outside the CIGNA network are not covered, except for emergencies worldwide.

CIGNA POS (Point of Service)
Members may go to any doctor in or out of network, worldwide. Expenses incurred outside the network are subject to an annual deductible and co-insurance. Within the CIGNA network, the benefits are the same as CIGNA’s HMO.

Eligibility requirements: To qualify for TEIGIT’s coverage, you must:
• be a Guild member for a minimum of 30 days prior to your effective date of coverage
• be employed in the arts and entertainment industry

Service area:
In New Jersey, rates will vary depending on your residency in either the north or south of the state. Click here for more information on coverage for New Jersey residents.
In Connecticut, the service area covers Fairfield, Hartford, Litchfield, Middlesex, New Haven, New London, Tolland and Windham Counties. Click here for more information on coverage for Connecticut residents.

For more information, contact TEIGIT at 212-758-5675, or email teigit@teigit.com