Now is the right time to become an American Federation of Musicians member. From ragtime to rap, from the early phonograph to today's digital recordings, the AFM has been there for its members. And now there are more benefits available to AFM members than ever before, including a multi-million dollar pension fund, excellent contract protection, instrument and travelers insurance, work referral programs and access to licensed booking agents to keep you working.
As an AFM member, you are part of a membership of more than 80,000 musicians. Experience has proven that collective activity on behalf of individuals with similar interests is the most effective way to achieve a goal. The AFM can negotiate agreements and administer contracts, procure valuable benefits and achieve legislative goals. A single musician has no such power.
The AFM has a proud history of managing change rather than being victimized by it. We find strength in adversity, and when the going gets tough, we get creative - all on your behalf.
Like the industry, the AFM is also changing and evolving, and its policies and programs will move in new directions dictated by its members. As a member, you will determine these directions through your interest and involvement. Your membership card will be your key to participation in governing your union, keeping it responsive to your needs and enabling it to serve you better. To become a member now, visit www.afm.org/join.
October 31, 2016IM -
Did you know that an unexpected trip to the hospital could cost you and your family more than $2,000 a day? The hefty price tag does not even include prescription drugs or medical procedures, which easily can add up to tens of thousands of dollars. Medical bills are the leading cause of all bankruptcies in the US. Health insurance can protect you from an unexpected financial hit due to accident or illness.
Not only that, as of 2014, you are required to have health insurance or pay a tax penalty. The period to shop for and switch coverage for next year, November 1-January 31, 2017, has just begun. Even if you already have coverage, you might want to re-evaluate your current plan.
Reasons to re-evaluate your current plan:
• It costs too much.
• It does not provide the coverage I (or my family) need.
• Your current health insurance company does not pay medical bills quickly and efficiently.
• Your current health insurance company does not provide good customer support.
• You do not have dental or vision coverage.
Plans fall into four categories, from lowest cost/least coverage to highest cost/most coverage they are: bronze, silver, gold, and platinum. Coverage also varies based on category, provider, and geographic area. If you feel confused when it comes to comparing plans, you are not alone. That’s one of the reasons the Working American Health Care (www.workingamericahealthcare.org) was launched.
AFM members and their families are eligible to shop for a plan through Working America Health Care. In partnership with Working America and Union Plus, AFL-CIO affiliate Working America Health Care connects union members to quality health insurance. The plans available through the marketplace include important consumer protections that meet or exceed coverage requirements to avoid the tax penalty. Unbiased, licensed professionals at Working America Health Care can help you:
• Figure out if you qualify for financial help in paying for a plan.
• Identify plans available to you in your geographic area.
• Evaluate plans to find the best fit (cost versus coverage) for you and your family.
Once signed up with a plan, you can access additional vision and dental discount programs. (Call 1-877-570-4845 or visit: workingamericahealthcare.org/why-working-america/dental-and-vision-coverage).
In addition, Working America Health Care Advocates (available 24/7) can help you coordinate medical care, locate the right providers, explain conditions and treatment, resolve claims, and answer coverage questions. Best of all, these advocates will help you understand your coverage and protect you from being wrongly charged or over-charged.