Insurance Billing and Fees

Freelancers Union offers members group insurance plans and individual market insurance plans. The information about billing and fees below applies to our group plans only. Group plans include:

  • Empire BlueCross BlueShield (in New York State only)
  • PerfectHealth insurance (in New York State only)
  • Life insurance (U.S Residents)
  • Dental insurance (U.S Residents)
  • Disability insurance (U.S Residents)


For more information about billing and fees for individual market plans through Golden Rule, visit their website.

BILLING


FEES


BILLING

Billing Policy

You will receive an invoice for insurance and any applicable fees 45 days prior to the start of the month of coverage. Payment is due by the 1st of the month prior to coverage. If you elect to pay via EFT (automatic debits from your bank account), your full outstanding balance will be debited from your account on the 2nd of the month (or, if the 2nd is on a weekend or holiday, the debit will occur on the next business day).

In addition, there is a 30-day grace period. If you have not paid for your insurance by the end of the 30-day grace period, your coverage will be terminated. The effective date of the termination will be the last day of the last month for which you paid. Any medical bills accrued after your termination date will become your responsibility to pay.
Example: For July coverage, you will receive a bill on May 15. Payment is due by June 1. If you elect to pay by EFT, payment will be debited from your account on June 2. If you have not paid by June 30, your insurance coverage will be terminated effective June 30.

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First Insurance Payment

When you enroll in any insurance plan, you must submit payment for your first two months of coverage at the time of enrollment. Once your coverage begins, this payment is non-refundable, even if you terminate your insurance plan(s) after one month of coverage. Depending on your situation, you may also need to pay the yearly Access Fee and one-time Application Fee along with your first insurance payment.

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Monthly Invoices

If you enroll in any of our insurance plans, your monthly invoices will be available to you online. We will send you an email reminder when your new invoice is posted.

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Monthly Payments

You can pay for your monthly insurance premiums in any of the following ways:

  • Electronic Funds Transfer - Automatic direct debits from your checking or savings account each month. Funds will be deducted on the 2nd of each month. If the 2nd is on a weekend or holiday, the debit will occur on the next business day. To set up monthly automatic direct debits, contact our administrative office at benefits@freelancersunion.org or 866-420-5807.
  • One-time EFT - Individually-requested electronic debits from your account. Enter your payment information at your convenience. The funds will be transferred from your account within 2-3 business days of requesting the debit. To pay using a one-time debit from your account, click the "online payment" link on your billing page.
  • Paper Check - Mail a paper check payable to "Working Today" to our administrative office at 7120 Lake Ellenor Dr., Orlando, FL 32809-5721. To ensure the check is credited properly, please include your full name and Member ID number on the check. Your Member ID is located on the upper right corner of your bill.


FEES

Annual Access Fee

There is a $50 per year fee to access any of our insurance benefits. This fee covers the costs of administering your insurance plan(s). It will appear on your invoice annually, for as long as you remain on any insurance product.
NOTE: The annual insurance access fee is increasing to $65, effective June 1, 2008.

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Application Fee

There is a $40 application fee to cover the cost of setting up your account and processing your application. This fee also helps to offset the costs of our customer service line, which will be available to you as long as you are a member. You will be charged this fee every time you complete a new eligibility application and subsequently enroll in an insurance plan or plans.

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Paper Enrollment Fee

Enrollment in health and dental insurance is available online. If you choose to enroll in health or dental insurance using a paper enrollment form you will be charged an additional $15 Paper Enrollment Fee. This fee does not apply to paper enrollment for Disability or Life Insurance.

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Paper Invoice Fee

If you prefer to receive paper invoices, there will be an additional administrative fee of $2 per month. Please note that even if you select to receive a paper bill, all late notices and termination notices will be sent via email only. To request paper invoices, contact our administrative office at benefits@freelancersunion.org or 866-420-5807.

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Re-enrollment Fees

Freelancers Union's insurance plans have been designed to encourage long-term participation. Therefore, if you terminate your insurance plan(s), you may be subject to waiting periods and fees if you choose to re-enroll. If you need to complete a new eligibility application, you will be billed for the $40 Application Fee. You will also be charged the annual Access Fee if it has been more than one year since you last paid an Access Fee. Re-enrollment rules differ by insurance plan and carrier. Please see Rules and Procedures for more information.
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