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How To Find Health Insurance |
First Steps
- Know the laws in your state. To find an easy to understand summary of state regulations visit http://www.healthinsuranceindepth.com/individual-state-guides.html
Click on your state and find out whether you can legally be denied insurance or if the price of premiums can be determined by health.
- If you can be denied or your medical history can be used when determining price, you can look at an example of the underwriting process to see where you may lie in the spectrum of insurance coverage. www.continentalgeneral.com/agents/DUG-00.pdf
- There are some trade organizations/not-for-profit groups that offer group health insurance to members. This would involve becoming a member of that group as well as pay for the insurance yourself. There are a few really great resources to start with.
- Most states also have “High Risk pools” that anyone can obtain insurance through. Mostly the price is determined by your age and location. The costs of this can be many times higher than standard insurance rates. You can access your states insurance office through the above state-by-state guide and find information there.
Helpful Links:
http://www.actorsfund.org/ahirc/ -The Artist’s Health Insurance Resource Centerprovides the names of different organizations to provide health insurance and it is done by state.
http://www.healthinsuranceinfo.net/index.htm - Georgetown University’s Health Policy Institute keeps this site updated with state regulations and tips for getting and keeping health insurance.
http://www.governor.state.tx.us/divisions/music/guides/ht-insurance.htm- a list of resources for musicians who are looking for health insurance (based in Texas)
The Resources below are listed by organization name followed by the website, phone number, qualifications, price of membership and insurance provider if that information is available.
*For those who choose to use a TEIGIT organization, you must pay dues to both the organization as well as a $10 fee to join TEIGIT, you must be a member of the organization for 30 days before applying and it’s only available in NY, IL, CA, CT, NJ, and FL.
Click to Download a PDF Of The NAAFA Special Report
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- American Medical Student Association www.amsa.org
1.800.767.2266 Medical Student $65 first years, $45 3rd and 4th years not available in some states.
- Advertising photographers of America- www.apanational.com
1.800.272.6264 Actively engaged in advertising photography, various levels of experience, $125+ TEIGIT
- American Federation of Television and Radio Artists- www.aftra.com
1.866.855.5191 Professional performer or broadcaster, $1300 initiation fee, $63.90/yr dues TEIGIT
- American Guild of Musical Artists- www.musicalartists.org
1.212.265.3687 Professional soloist, chorister, dancer, choreographer, stage director, stage manager, actor, etc. $500 activation fee, $75 yearly TEIGIT
- American Institute of Graphic Arts- www.aiga.org
1.212.807.1990 Varying qualifications depending on membership type, $75-$295 TEIGIT
- American Society of Journalists and Authors- www.asja.org
1.212.997.0947 Specifications found at website, $25 application fee (non-refundable), $75 one time activation fee. TEIGIT
- American Society of Media Photographers- www.asmp.org
1.215.451.2767 Photographers of various experience levels but working professionally, $200+ TEIGIT
- American Student Dental Association- www.asdanet.org
1.800.621.8099 Dental Student $50+ depending on membership type
- Arts & Cultural Council for greater Rochester- www.artsrochester.org
1.585.546.5602 Self employed 20 hours a week, $50 must be member 30 days before eligible for insurance, takes about 30 days to process.
- Association of Independent Video and Filmmakers- www.aivf.org
1.212.807.1400 working with filmmaking, doesn’t appear to have strict rules for application $70+ TEIGIT
- Authors Guild- www.authorsguild.org
1.212.563.5904 Must have published, have a contract with a publisher, etc. $90 first year, sliding scale after, TEIGIT
- California Association of Realtors- www.car.org
1.213.739.8265 Practicing realtors, Not sure of fees, must wait for two months before signing up for insurance, must apply during open enrollment period between April 1-May 15
- Chamber Music America- www.chamber-music.org
1.212.242.2022 Varying qualifications/varying membership options $55-$85 TEIGIT
- Early Music America- http://earlymusic.org
1.206.720.6270 Professional performers, educators, concert presenters, colleges, etc, $55 TEIGIT
- Editorial Freelancers Association- www.the-efa.org
1.212.929.5400 Full or Part-Time freelancer $95-$115 TEIGIT
- Independent Writers of Southern California- www.iwosc.org
1.877.799.7483 Write for a living, or aspire to. $110 first year, $75 after that. TEIGIT
- International Documentary Association- www.documentary.org
1.213.534.3610 See website for details $85 TEIGIT
- National Academy of Television Arts and Sciences- www.emmyonline.org/emmy/member
1.415.777.0212 Been involved in Television for over 1 year. Price varies depending on chapter Group Health Solutions
- National Council of Jewish Women- www.ncjw.org
1.212.645.4048 It is a woman’s volunteer organization founded on Jewish values $50/year
- National Federation of Paralegal Associations- www.paralegals.org
1.206.652.4120 Be a practicing paralegal or be enrolled as a student to become a paralegal $85
- National Writers Union San Francisco Chapter- www.unionwriters.org
1.510.839.1248 If you have published or are attempting to publish a body of work, specifications available at website. $95-$260 TEIGIT
- New York Women in Film & Television- www.nywift.org
1.212.679.0870 Must have 4 yrs experience in film, television, or new media, be sponsored by 2 NYWIFT members and provide a professional reference $135 initiation fee $165/yr dues TEIGIT
- San Francisco Trial Lawyers Association- www.sftla.org
1.415.956.6401 Lawyer or working with a lawyer. Varying price depending on position, Currently fighting with insurance company because they are trying to drop the coverage.
- Society of Children’s Book Writers & Illustrators- www.scbwi.org
1.323.782.1010 If you have published a children’s book, or published in another genre. $75 TEIGIT
- American Association of Petroleum Geologists- www.aapg.org
1.800.364.2274 Professional geologist or teacher of geology. $37.50+ depending on membership type Geocare
- American Association of Professional Landmen- www.landman.org
1.817.847.7700 Must be a practicing land professional $2500 Geocare
- American Institute of professional geologists- www.aipg.org
1.303.412.6205 Certified Professional Geologist. Varying depending on membership type. Geocare
- Association Engineering Geologists- www.aegweb.org
1.303.757.2926 Have a degree in geological sciences and work in the field. Varying depending on membership type. Geocare
- Environmental & Engineering Geophysical Society- www.eegs.org
1.303.531.7517 Geophysicist or professional in a related field $75 Geocare
- American Numismatic Association (collecting coins/money)- www.money.org
1.719.634.4085 None? Someone who collects money or related items. $36
- Arizona Cattle Growers Association- www.arizonabeef.org
1.602.267.1129 Individual associate does not need to own any cattle. $100
- California Association of Mortgage Brokers- www.cambweb.org
1.916.448.8236 Certified Residential Mortgage Specialist, Certified mortgage consultant, working for a CAMB member as support staff, etc. $165+ depending on Membership type
- Fractured Atlas- www.fracturedatlas.org
1.212.277.8020 Be in the Art Industry $75/year They can get you discounts/help you find insurance.
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