Freelancers Union offers members group insurance plans and individual market insurance plans. The eligibility process varies depending on what type of plan you are interested in purchasing.

Insurance Type & Availability	Carriers
HEALTH INSURANCE NY,NJ,CT	Empire BlueCross BlueShield PerfectHealth
HEALTH INSURANCE 30 States *	UnitedHealthcare's Golden Rule Insurance Company and other affiliates
DENTAL INSURANCE 50 States	Guardian
LONG TERM DISABILITY INSURANCE 50 States	Guardian
TERM LIFE INSURANCE 50 States	Guardian

* Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin.

In addition to insurance, Freelancers Union offers the following health-related discounts:**

• Aetna Dental Discount Program "Vital Savings by Aetna®"
• Duane Reade Prescription Discount Program

** Please note: these programs are not insurance, and provide discounts only.  No payments are made by the discount programs for the services to be obtained.

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insurance

• Eligibility
• How to apply
• Health Insurance
• Term Life Insurance
• Long Term Disability
• Dental
• Fees
• Rules & Procedures
• Glossary