Insurance Plans

Instrument

Only you know the value of your instruments and equipment. Just think of the amount of money it would take to replace them. Most homeowners and renter's insurance is not enough to protect you from loss, theft, or damage on location. The AFM provides access to "All-Risk" Musical Instrument and Equipment Insurance Plan. Your instruments and music-related equipment are protected from vandalism, breakage, water, fire, lightning, and theft up to the full replacement value. If you are employed full-time, freelance, work out of your home, or are self-employed, this insurance protects the large investment you've made in your equipment. There is a low $100 deductible for each loss. Current rates are $2.20/$100 for the first $1500 and $1/$100 thereafter (plus $10 administration fee and minimum premium of $75).

Liability

This policy provides up to $1,000,000 for each occurrence and up to $2,000,000 of aggregate coverage for lawsuits arising out of bodily injury and/or damage to property of others, occurring on or off premises during your performance. Also, since no two AFM members have the same needs, the AFM Insurance is designed to fit your unique specifications. This plan offers quality, economical insurance, made available to you through AFM group buying power.

Term Life

This plan helps you obtain life insurance protection for your family by providing up to $300,000 of life coverage at economical group rates for both you and your spouse. Coverage is also available for your dependent children.

Personal Accident

Coverage under this plan protects you from a loss caused by a covered accident 24 hours a day, 365 days a year, anywhere in the world. Covered losses include your life, hands, feet and/or eyes. Any benefits you may receive from this plan are paid directly to you or your beneficiary to cover expenses, medical costs, or to invest in long-range income replacement, regardless of Worker’s Compensation, Social Security or other insurance benefits.

Accidental Death & Dismemberment

Just for being a union member you get $10,000 of workplace accidental death insurance absolutely free! The free $10,000 of insurance not only covers you while you are at work, it covers you commuting to and from your union job.

Market Basket Health Insurance...

Major Medical

This plan is ideal when you’re looking for "freedom of choice" in your health care coverage. It provides a broad range of coverage for all facets of health care for you and your family with no limits to selected physicians or health care facilities.

Preferred Provider

With this option, you'll receive a list of medical providers and facilities to select from when you require health care. Each has been thoroughly screened to be sure you'll receive a high standard of medical care. This plan provides a broad range of coverage for hospital room and board, physician and surgeon's fees, lab services and much more.

Medical Savings Account

Medical Savings Accounts allow you to build up a tax-free savings account to pay for routine medical expenses. You build the account with tax-free dollars and they remain tax-free while your MSA is active.

Catastrophic Medical

This plan provides coverage for you and your family against the extraordinary medical expenses that occur when a catastrophic illness or accident strikes. It helps supplement your current HMO, PPO, major medical plan or Medicare, providing up to 100% coverage of reasonable and customary eligible expenses after your deductible is satisfied. You can receive up to $1,000,000 in benefits for eligible expenses.

Short-term Medical Plan

Designed for temporary major medical needs, this plan provides up to $2,000,000 in short-term medical coverage. Coverage includes hospitalization, surgery and outpatient expenses for up to 180 days. This plan is perfect for recent graduates and those between jobs or waiting for insurance to take effect.

Pharmacy Prescriptions

With 26,000 pharmacies nationwide, you can save up to 40% on brand name and generic drugs at national chains. A mail-order pharmacy with discounts up to 50% is also available. In addition, you can receive vision-care discounts of up to 40% on exams, frames, glasses and contacts. A low annual fee also covers access to a 24-hour Nurse Help Line for care advice and support.

Dental & Vision

This program can help to reduce your out-of-pocket costs. You will have access to a network of more than 11,000 dental offices, savings of up to 37% on teeth cleaning and 30% for 170 other dental services, a savings of between 10% and 50% on vision exams, frames and contact lenses, and much more. All for a low annual fee.