Nashville Musicians Association AFM, Local 257 is offering a flexible and comprehensive package of benefits for our members. We are committed to continuing to enhance the value of the union membership. These programs can help members maintain financial security as well as help to meet the everyday health needs. Our programs are designed to allow you to tailor a benefits package that best meets the unique needs of you and your family. Our current health plan year runs from Janurary 1, 2018 through December 31, 2018. We are offering health coverage from Blue Cross Blue Shield of Tennessee. Our Dental and Vision plans are administered by Humana this year. We are also offering an Accident plan and a Critical Illness plan from Washington National. All of our plans are guaranteed issue with no qualifying health questions.
Our Health coverage plans are ACA compliant and meet or exceed all of the ACA standards for essential benefits and affordability. If you don’t have ACA compliant health coverage, you may have to pay a federal tax penalty when your file your personal income taxes. We have provided the penalty estimator for your reference.
Our Health Coverage offers a broad array of services, including hospital and physician services, prescription drugs and preventive benefits. All full-time employees are eligible to select health coverage. When you enroll in the medical plan you will also be provided with a $15,000 life insurance plan.
The Dental Plan is a PPO plan administered by Humana. Enrollment is automatic for employees who have elected dental coverage for themselves and their covered dependents. Utilizing a dentist in the Humana PPO network may provide a cost savings for you, as well as ease of claims filing. However, the plan allows you the freedom and flexibility to visit any dentist with the same benefit coverage.
Our Vision Plan is administered by Humana. Enrollment is automatic for employees who have elected vision coverage for themselves and their covered dependents. Utilizing a provider in the vision network may provide a cost savings for you, as well as ease of claims filing.
Nobody thinks it will happen to them, but one in eight workers will be unable to work due to an injury or sickness. There are a few ways to protect yourself against the financial implications of becoming too sick or injured to work and earn an income.
A good start to protecting your income is through an Accident/Disability income insurance policy. Such a policy typically covers up to 60% of pre-disability salary. Critical Illness insurance plans can provide your family with financial security in the absence of your income.