2010 Rates
Once a member is determined to be eligible for benefits they must complete the enrollment form choosing one of the six benefit options. The form must be returned to PacFed Benefit Administrators - the Third Party Administrator for the Professional Musicians, Local 47, and Employers' Health & Welfare Fund (the "Fund") -- with in the Open-Enrollment period (November 20th through December 20th) along with the monthly premium payment. Failure to timely complete and return the enrollment form to PacFed Benefit Administrators, together with the applicable co-premium remittance, shall result in the member and/or, if applicable, his/her dependents not receiving coverage under any of the benefit plans offered by the Fund.
It is the responsibility of the participant to ensure that the monthly premium payment is received on a timely basis by PacFed. Premiums are due on the first of the month prior to the month of coverage. The premium payment becomes delinquent on the 20th of the month prior to the month of coverage. If premium payment is not received by the 30th of the month prior to the month of coverage, the participant and their dependents' coverage shall be automatically terminated.
REINSTATEMENT POLICY
If a written request is made within 30 days of termination the Fund will reinstate coverage on the condition that the delinquent premium along with the next month's premium and an administrative service fee of 10% of the delinquent contribution, not to be less than $25, is also enclosed with the written reinstatement request. Multiple late payments will result in a higher administrative fee. In the event a participant remits their co-premiums late more than three times their coverage and, if applicable, any dependent coverage will not be reinstated for the remainder of the coverage year.
2010 Eligible Participant and Dependent Monthly Premium
| Option | Member Only | Member + 1 |
Family | |
|---|---|---|---|---|
| 1 | Health Net HMO Only | $90.00 | $504.00 | $883.00 |
| 2 | Health Net HMO + DeltaCare (HMO) + MES Vision |
$90.00 | $527.00 | $927.00 |
| 3 | Health Net HMO + Delta Preferred (PPO) + MES Vision |
$120.00 | $583.00 | $1,016.00 |
| 4 | Health Net PPO Only | $248.00 | $824.00 | $1,343.00 |
| 5 | Health Net PPO + DeltaCare (HMO) + MES Vision |
$248.00 | $846.00 | $1,387.00 |
| 6 | Health Net PPO + Delta Preferred (PPO) + MES Vision |
$277.00 | $902.00 | $1,477.00 |
Monthly Premium Rates for Eligible Non-California Residents
| OOS PPO | Health Net PPO Only | $248.00 | $818.00 | $1,334.00 |
COBRA
A participant or dependent who loses coverage due to a COBRA Qualifying Event may continue coverage through the Plan provided they timely enroll and timely pay the required premium. Please see the COBRA heading under the FAQ tab for more information about:
- COBRA Qualifying Events
- Who is a Beneficiary?
- Time frames in which enrollment and premiums must be submitted.
2010 COBRA Monthly Premium
| Option | Member Only | Member + 1 |
Family | |
|---|---|---|---|---|
| 1 | Health Net HMO Only | $430.59 | $852.70 | $1,238.88 |
| 2 | Health Net HMO + DeltaCare (HMO) + MES Vision |
$458.00 | $903.13 | $1,311.13 |
| 3 | Health Net HMO + Delta Preferred (PPO) + MES Vision |
$488.05 | $960.13 | $1,402.50 |
| 4 | Health Net PPO Only | $590.75 | $1,178.36 | $1,708.47 |
| 5 | Health Net PPO + DeltaCare (HMO) + MES Vision |
$618.16 | $1,228.78 | $1,780.72 |
| 6 | Health Net PPO + Delta Preferred (PPO) + MES Vision |
$648.21 | $1,285.78 | $1,872.09 |
COBRA Premium Rate for Non-California Residents
| OOS PPO | Health Net PPO Only | $584.85 | $1,166.55 | $1,693.14 |