This information about billing and fees applies to our group plans only:
Freelancers Insurance Company (in New York State only)
PerfectHealth (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 United Healthcare Golden Rule, visit their website.
Invoices for insurance coverage are available on the billing and enrollment website on the 4th business day of the month prior to the coverage month. Payment is due by the 15th of the month prior to the coverage month.
If you elect to pay via recurring electronic funds transfer (EFT), your full outstanding balance will be debited from your account on the 15th of the month (or the next business day) prior to the coverage month.
There is a grace period from the 16th of the month until the end of the month prior to coverage. If your payment is not received before the start of the coverage month, your coverage will be discontinued.
Example: For December coverage, your invoice is available on November 4th and payment is due on November 15th, with a grace period from November 16th until November 30th. If payment is not received by November 30th, coverage is discontinued on December 1st.
When you enroll in coverage through Freelancers Union for the first time, you must submit payment for your first month of coverage at the time of enrollment. Once your coverage begins, this payment is non-refundable, even if you discontinue your insurance plan(s) during your first month of coverage. You'll also need to pay a yearly Access Fee and a one-time Application Fee along with your first insurance payment.
If you enroll in any of our insurance plans, you have three options for how to pay for coverage. Your chosen payment method determines how you receive your invoice. You can change your preferences after signing in to our billing and enrollment website.
The options for payment are:
- Recurring EFT–You will receive an email reminder on the 4th business day of the month that your invoice is available to be viewed on the billing and enrollment website. On the 15th of the month before your coverage month, the amount you owe will be automatically and conveniently deducted from your bank account.
- E-Bill–You will receive an email reminder on the 4th business day of the month that your invoice is available to be viewed on the billing and enrollment website. You'll need to either make a one-time electronic payment on the billing and enrollment website or pay over the phone.
- Paper billing–You will receive a paper invoice by mail that contains a payment coupon. You can pay by paper check by mailing your check with the payment coupon located at the top of your payment invoice, by one-time electronic payment on the billing and enrollment website, or by phone. Note that there is a $2 monthly fee to receive paper invoices in order to cover the cost of the creation, printing, processing, and mailing of paper bills.
There is a $75 per year fee to access any of our insurance benefits. This fee covers the costs of administering your insurance plan(s). This fee also helps to offset the costs of providing customer service, which will be available to you as long as you are a member. It will appear on your invoice once a year, for as long as you remain on any type of insurance coverage.
There is a $50 application fee to cover the cost of setting up your account and processing your application.
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 $5 Paper Enrollment Fee. This fee does not apply to paper enrollment for Disability or Life Insurance.
If you prefer to receive paper invoices, there will be an additional administrative fee of $2 per month to cover the cost of the creation, printing, processing, and mailing of paper bills.
If your coverage is discontinued at your request or due to non-payment, there is a $50 fee to reinstate your coverage. You have 30 days from the date coverage is discontinued (or until the last day of the month in which the reinstatement period takes place) to make a payment for your entire past-due amount and the reinstatement fee.