About us

FAQs

You have questions. We have answers.

Membership


+ How do I become a member of Freelancers Union?

+ How much does membership cost?

+ What are the requirements of membership?

+ What are the benefits of being a member?

+ Where are benefits available?

+ When will I receive a Freelancers Union membership card?

+ Whom should I contact if I have questions?

+ How can I find out about upcoming events?

+ What can I do if one of my clients won’t pay me?

+ I'd like to stop by your office and talk to someone. Can I do that?

My Account


+ How do I change my username and password?

+ What if I forget my username and/or password?

+ How do I change my address?

+ How do I get insurance?

+ How do I get a new or replacement insurance card?

+ What is open enrollment?

2015 Health Insurance Plans

For NY Residents: / For Non-NY Residents

For NY Residents

+ I enrolled in a health plan for 2015, when do I get my ID?

+ How should I pay my first bill for January 2015 coverage?

+ How will I pay my bill in 2015?

+ What happens if my payment is late?

+ I cancelled my 2015 health insurance coverage, but I still got a bill or ID in the mail.

+ I made changes to my plan, when will my bill be updated?

+ What plans will be available for 2015?

+ When can I purchase a plan?

+ I currently have insurance through Freelancers Insurance Company. What is happening to my plan in 2015?

+ Are you on the Obamacare Exchange?

+ Think you might be eligible for a subsidy or aren't sure?

+ Will out of network coverage be available on the 2015 plans?

+ I currently have health insurance. How do I add dental insurance?

For Non-NY Residents:

+ What health insurance plans will be available for 2015?

Freelancers Medical


+ What is Freelancers Medical?

+ Do you only offer a $0 co-pay for primary care services through Freelancers Medical?

+ How can I access Freelancers Medical services?

+ Where are the Freelancers Medical offices located?

+ Can I still see a specialist if I'm a member of Freelancers Medical?

+ Do you have a pediatrician and OB/GYN at the practice?

+ What makes Freelancers Medical convenient?

+ Why is the rate for plans with Freelaners Medical higher than normal plan rates?

Dental Insurance

Guardian MDG Plan / Guardian PPO Plan

+ How can I get dental insurance?

+ When can I switch plans?

+ Can I add or remove a child, spouse, or domestic partner from my plan?

+ What dependants can I enroll?

+ When does my coverage start?

+ How do I end my coverage?

+ When can I end my coverage?

+ I currently have health insurance. How do I add dental insurance?

Questions about the Guardian MDG Plan:

+ How do I find a dentist in my area?

+ Can I visit any general dentist I want under the MDG Plan?

+ What if I want to change my dental office after I’ve picked one? Is there a limit to how many times I can change?

+ Does the whole family have to use the same dental office, or can my dependents choose a different one?

+ What if I need to see a specialist?

+ What is meant by the term “patient charge”?

+ When I visit a plan dentist, are there any claim forms to fill out?

Questions about the Guardian PPO Plan:

+ How do I find a dentist in my area?

+ Can I visit any dentist or specialist under the PPO Plan?

+ What is an annual maximum?

+ What is coinsurance?

+ What is a negotiated fee-for-service?

+ When I visit a dentist, are there any claim forms to fill out?

+ Do all my covered family members have to go to the same network or non-network dentists?

+ What does usual, customary, and reasonable mean?

+ When will my coverage go into effect?

Life Insurance


+ Why do I need disability and life insurance?

+ Will my health status be considered in the application?

+ How much life insurance do I need?

+ How are life insurance rates determined?

+ Can I increase my life insurance amount at a later date?

+ Do premium rates remain level or do they increase as I get older?

+ How will I know I’m enrolled in the life insurance plan of my choice?

Disability Insurance


+ Why do I need disability and life insurance?

+ What exactly will my disability plan cover?

+ What about Worker's Compensation and Social Security?

+ Will my long-term disability plan cover a work-related injury?

+ What is not covered?

+ Will my health status be considered in the application?

+ If I become disabled, how soon will my benefit begin?

+ Once I receive long-term disability benefits, will my premiums be waived?

+ Will my disability benefit check be taxable?

+ How often will I receive a disability benefit check?

+ Will payments from other sources affect the amount of disability benefits paid to me?

+ Do premium rates remain level or do they increase as I get older?

Retirement Plan


+ I am currently enrolled in the Freelancers Retirement Plan. How do I access my account?

+ I have questions about the Freelancers Retirement Plan. Who can I contact?

+ Who is eligible for the Freelancers Retirement Plan?

+ What are the benefits of joining the Freelancers Retirement Plan?

+ Where can I learn more about the Freelancers Retirement Plan?

+ How do I enroll in the Freelancers Retirement Plan?

+ Who are you partnering with to offer this 401(k) plan?