Skip to main content

Healthcare Tips for Musicians

1) Find a reputable health insurance agent. This is probably the most important step. Agents know much more about health insurance than you do and will only be paid if you secure a health insurance policy. Despite what many people assume, it doesn't cost you any more money to use an insurance agent than if you simply bought a policy directly from the insurance company. To find an agent in your area go to www.nahu.org and click Find an Agent.



2) Determine if you can qualify as a small business. If you are a band that is producing even modest revenue, then it might make sense to form a simple business entity like a partnership, LLC, or maybe even a corporation. Or if you are a solo artist, and can show Schedule C income when you file your taxes some insurance companies will treat you like a small business and offer the exact same plans and rates that any small business would qualify for. In California, if you are a sole-proprietor with Schedule C income and are married and file taxes jointly, Kaiser Permanente will offer you a small group health plan, with no medical questions.



3) Look into associations you are (or could be) a member of. Many industry associations and chambers of commerce have health plans available to their members. Many times the association dues are modest and the criteria to qualify as a member of the association are minimal. One such association is the Freelancers Union. Membership is free and members are eligible for the association health plans (and many other benefits too). At the moment, the health plan is only available to qualified freelancers who are residents of New York State. Think about what you do and then put your Google skills to work to find an association that fits you.



4) Check out your State sponsored options. Currently most states have some form of government sponsored health care available. Depending on your state, annual income, household size and other factors, you may qualify for assistance. The easiest way to figure out what you qualify for is to call the US Uninsured Help Line at 800-234-1317 or use the on-line eligibility tool at www.coverageforall.org .

5) Check with your parents. One benefit of the health care reform bill that is already in effect is the ability for children under the age of 26 to stay (or rejoin) their parents health insurance plan. In the past, dependents between 19 and 25 had to be full-time students but this is no longer the case. If you are under 26 and your parents have health insurance ask them to inquire about what it takes to get on the plan.

Between now and 2014 we're going to see many changes to the health care system, the way insurance companies are regulated, and individual access to coverage and care. What you knew about insurance last year is probably irrelevant, and by this time next year I'm confident the same will be true. The Federal government has done a decent job compiling information about changes at www.healthcare.gov, but be sure to utilize multiple sources to get the best and most current information. You are your best advocate.

Popular posts from this blog

Legendary Rock Icon & KISS Frontman Gene Simmons Wants You To Open For Him At Wizard World St.Louis

It's the chance of a lifetime for musicians all across Greater St. Louis, as famed Rock and Roll Hall of Famer Gene Simmons and Wizard World seek an outstanding local band to open for "Wizard World: An Evening with Gene Simmons and His Band," Saturday, April 8, beginning at 7 p.m. The concert will take place at The Pageant (6161 Delmar Blvd., St. Louis), and will be held in conjunction with Wizard World Comic Con St. Louis taking place that weekend at America's Center.


Area bands must submit video links to openingact@wizardworld.com, specifying "St. Louis Opening Act" in the subject line, by April 3 for consideration. Simmons will select one group from among the entrants to perform before his show on April 8.

The winner will be announced live on the KSHE radio station by Gene at 2:30 p.m. CT on April 7, the day before the show, and notified by email and/or telephone. The winner will also be posted on the Pageant website and on social media channels.

The winni…

Exclusive Interview: 804 Street Media CEO Lance Cooper

Last week, the staff of WITIN RADIO had the opportunity to meet with 804 Street Media CEO & Editor In Chief , Lance Cooper.During the interview we had the opportunity to speak with Lance on his life's work, his company's Social Media presence, and the state of Black America.

When did you launch 804 Street Media & what was the catalyst for you launching 804 Street Media ?

"The official brand evolved into a business around 2013, but the grind to put the 804 (Richmond. Virginia) on the map started back in the 1990’s. Everything started with hip-hop. In 1997 I had a rap group here in Richmond. Virginia was on the rise, we were actually the only rap group from Richmond to share a stage with Nas. This was around the time "It Was Written" dropped. Eventually, however the group parted ways. I put the microphone down and started promoting other artists. Coming from one of  the hardest places to "get on" from is Virginia, because support on every level…

Win Tickets To Louisville's Louder Than Life Music Festival !

“Louisville: The Home Of Bourbon.
Great People. Great Food.”

The fourth annual LOUDER THAN LIFE, kicks off September 30, 2017 at Champions Park near downtown Louisville. The annual destination festival celebrates the region’s culture and cuisine, and features award-winning bourbons and spirits, Gourmet Man Food, craft beer and some of the biggest names in rock music.General admission and VIP tickets, as well as hotel and camping packages, are on sale at www.LouderThanLifeFestival.com starting noon on May 29, 2017.
Enter for your chance to win tickets to the Fall's most anticipated Hard Rock music festival."
We here at WITIN RADIO, know you don’t want to miss this year's Louder Than Life Music Festival, so we’re proud to offer you a chance to win a free pair of tickets to the 2017 Louder Than Life Festival , Courtesy of  WITIN RADIO and; Danny Wimmer Productions.
To enter, simply use the comment space ( Leave Full Name &  E-mail) below or e-mail (Walter@WitinRadio.Com) be…