Category Archives: Health & Welfare

H&W: Enrollment Information

H&WProfessional Musicians, Local 47 and Employers’ Health & Welfare Fund

OPEN ENROLLMENT

November 20th – December 20th

Enrollment information has been mailed to all eligible participants. November 20th through December 20th is the Fund’s Open-Enrollment period. This is the time of year to select one of the benefit options if you are newly eligible, and decide to enroll, or to make changes to your benefits if you are already enrolled and remain eligible for the same level of coverage. Continue reading

H&W: 2017 Health and Life Insurance Eligibility

H&WProfessional Musicians, Local 47 and Employers’ Health and Welfare Fund

Eligibility & Enrollment Information

 Eligibility and Enrollment information will be mailed to eligible participants in approximately mid-November. Enrollment materials will be sent to the participant’s last address on file with the Fund’s Administrative Office, so please ensure that the Fund has your most up-to-date address information.

The enrollment materials will advise the eligible participant at which Level of coverage they have qualified (A, B or C), based on employer contributions the Fund received on the participant’s behalf for employment between Oct. 3, 2015, and Oct. 2, 2016. Benefit summaries and co-premium costs for the applicable Level will also be included in the enrollment material. Continue reading

H&W: Get Healthy, Stay Healthy

kaiser_permanente-svg

Professional Musicians, Local 47 and Employers’ Health & Welfare Fund

Your health matters, to you and to your family

Getting healthy and staying that way doesn’t have to be complicated.

You can reduce your risk of many health problems by taking care of the basics, like preventive tests and exams and paying attention to your eye health, which might hint at bigger health issues.

Concentrate on these areas to get and keep yourself on track.

 

Get serious about prevention

Take steps to keep yourself healthy through small changes to your habits to reduce your risks.

Smoking, inactivity, poor diet, and too much alcohol account for nearly half or all deaths. Remember the numbers 5-2-1-0:

• 5 fruits and veggies each day

• 2 hours of screen time, or less

• 1 hour of physical activity a day (aim for at least for 30 minutes)

• 0 cigarettes or other tobacco products and sweetened drinks

Get the backstory. Knowledge is power. Ask about your family’s medical history, including illnesses, chronic conditions, and premature deaths, and read up on common conditions you might face.

Hit the gym, or the sidewalk. Play basketball instead of watching it on TV. No time for the gym? Take the dog for a brisk walk. Learn about the health benefits you get from boosting your fitness. Aim for half an hour to an hour of physical activity each day.

Do a gut check. If you’re overweight, a little weight loss can make a big difference. Visit our healthy weight center to explore options that really work. Don’t know your healthy weight? Use our body mass index (BMI) calculator.

 

Stay cool under pressure

Sometimes, the biggest threats to your health aren’t too much soda and too little exercise. It’s mental and emotional issues that you dodge.

Not dealing with stress from work, family, relationships, or finances can cause or worsen physical conditions. Get some healthy strategies for coping with life’s ups and downs.

Ready, set, relax. HealthMedia® Relax gives you personalized strategies for beating stress.

Get some Zs. Getting 7 or more hours of sleep every night can boost your energy and focus. Trouble sleeping? See link below for more information on Overcoming Insomnia.

Open up. If you’re depressed, angry, or anxious, talk to your doctor or someone you trust.

 

Build better habits

Breathe easier. Smoking doesn’t just increase your risk of lung cancer and heart disease. It can cause erectile dysfunction, too. Find out how to quit smoking.

Drink responsibly. Limit your drinking to two drinks a day. One drink is 12 ounces of beer, five ounces of wine, or a one-and-a-half ounce shot of hard liquor. If drinking is causing problems for you or others, find mental health services near you.

 

Protect yourself – at all times

You know to practice safer sex to avoid HIV and other sexually transmitted diseases, but protection isn’t just for the bedroom. Reduce other risks to your health by:

• wearing a helmet on a bike, motorcycle, or skateboard.

• buckling up every time you drive, and keeping your cool behind the wheel. Aggressive driving may be a factor in 50% of car crashes.

• focusing on the road. Turn off your cell phone and keep it out of reach when driving.

• protecting your skin. Wear a hat and sunscreen and stay away from tanning beds.

• protecting yourself from exercise injuries. If you are new to exercise, start with walking or another low-impact activity and try for 15 minutes a day for three days a week and then increase a bit each week.

• getting a flu shot and washing your hands during cold and flu season.

Information provided by Kaiser Permanente – bit.ly/kaisergethealthy

This link will provide you with more information regarding HealthMedia® RelaxTM and Overcoming Insomnia: bit.ly/kaiserhealthmedia

H&W: Eligibility and Enrollment Mailings Begin in November

Professional Musicians, Local 47 and Employers’  Health & Welfare Fund

HAVE YOU HAD A CHANGE OF ADDRESS?

The Professional Musicians Local 47 and Employers’ Health & Welfare Fund (“Fund”) will soon be determining eligibility for benefit coverage effective January 1, 2017 through December 31, 2017. Very important contribution and enrollment information will be mailed out by the Fund to each participant of record and musicians who have qualified for coverage based on employer contributions for work performed during the Fund’s 2015/16 Qualifying Period (October 3, 2015 through October 2, 2016). Continue reading

H&W: Have You Lost Coverage Under an Employer Provided Group Health Plan Other Than the Local 47 Health & Welfare Fund?


Professional Musicians, Local 47 and Employers’ Health & Welfare Fund:

Have You Lost Coverage Under an Employer Provided Group Health Plan Other Than the Local 47 Health & Welfare Fund?

H&WSpecial Enrollment Rights

Federal law – namely the Health Insurance Portability and Accountability Act (HIPAA) — requires the Fund to permit individuals who declined health coverage under the plan, because they had other group health plan or health insurance coverage, to enroll in the plan through special enrollment upon any loss of eligibility for the other coverage or if employer contributions toward the other coverage cease. Continue reading

H&W: Safeguarding Member Information is a Top Priority at Blue Shield of CA

blue shieldProfessional Musicians, Local 47 and Employers’ Health & Welfare Fund

As an eligible* Blue Shield medical plan member who has enrolled in Blue Shield as a benefit option through the Professional Musicians, Local 47 and Employers’ Health & Welfare Fund (the “Fund”), you may now have available to you identity protection services such as identity repair assistance, identity theft insurance and credit monitoring. It makes good sense, and it is offered at no charge. You can access and enroll in these services by calling (855) 904-5733, 6 a.m. to 6 p.m., Monday through Saturday or 24/7 at blueshieldca.allclearid.com. Continue reading

H&W: The Website Pacfed-Musicians.com

pacfed website

The Professional Musicians, Local 47 and Employers’ Health & Welfare Fund ‘s website, pacfed-musicians.com, contains information, documents and forms that maybe helpful to Fund participants throughout the benefit year. Most of the information is provided in PDF format to allow for easy download, to save or print. Continue reading

H&W: Women’s Health and Cancer Rights Act of 1988 (WHCRA) & Newborn and Mothers Health Protection Act of 1996 (NMHPA)

H&WReconstructive Surgery Fully Covered After Mastectomy
WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998

The Professional Musicians Local 47 and Employers Health and Welfare Fund (“the Fund”) purchases health insurance benefits through Health Net of California and provides you with this notice as required by the Women’s Health and Cancer Rights Act of 1988 (WHCRA).

In compliance with WHCRA, Health Net provides benefits for mastectomy-related services, including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and for complications resulting from a mastectomy, including lymph edemas.
Although reconstructive surgery after a mastectomy is generally a covered procedure, some procedures are, of course, classified as cosmetic and, therefore, not covered. Continue reading

H&W: Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

H&WIf you or your children are eligible for Medicaid or CHIP and even if you are eligible for health coverage from your employer – in our case, the Professional Musicians, Local 47, and Employers’ Health & Welfare Fund (the “Fund”) – your state may have a premium assistance program that can help pay for your children’s coverage, using funds from the that State’s Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but, nonetheless, you may be able to buy them (and yourself, if you have not qualified for coverage through the Fund) individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov. Continue reading

H&W Trusted Sources Provide Important Information Regarding the Zika Virus

H&WOne of the Fund’s carriers — Blue Shield — has circulated a notice to the Fund, as well as many other Union benefit plans, regarding the Zika Virus. The Notice provides important information from the Centers for Disease Control (CDC) to those thinking about traveling to certain countries. As many of you travel outside of the United States for work, the Fund believes your access to this information is vital.

Below is that very important notice from Blue Shield: Continue reading