What is Health Insurance Musicians?

What is life without music? We all love music. In fact, music is an integral part of our daily life. However, we tend to forget the real masters behind the soothing, peppy and soulful music.

The creators of wonderful music, musicians are sometimes neglected in many aspects of life. This is sad. One of the basic problems is their inability to avail insurance policy.

Most of the time they are denied basic needs and assistance related to health. Is it fair? The music creators who fill our life with colors and soothing buzz should not be ignored.

They should be offered adequate assistance and support. Their health is very important. Unfortunately many health insurance and medical claim companies have not realized this yet.

According to an FMC survey conducted in the year 2001, it has been proved that around 3,000 musicians were struggling and having real tough time to get health insurance.

Shockingly, 44 percent of musicians remain uninsured and 76 percent were found unable to afford insurance. Some could not decide on the plan due to their confusion about different plans or were unable to find a plan suitable for their specific requirements.

There are some companies that have come up with excusive plans for musicians. These plans are created in a fashion ton offer plan musicians can afford.

The interest rate and premium charges have been planned according to the instability existing in their profession.

When looking for musician’s insurance plan to secure your health then it is important to get into a thorough research.

Make sure that the plan you choose allows you to pay lowest rate and offer maximum coverage to suit your specific requirements.

There are many health plans dedicated to those working for record companies. You can benefit from these plans if you are associated with a recognized record company.

In case, you have recently been signed to a reputed record label, then you can easily claim for bigger coverage at lower rate. It is possible to enjoy the benefit if you are working with one of the top five record labels across the nation.

According to an agreement negotiated between insurance companies and AFTRA in the year 2003, coverage can be provided to benefit talented upcoming artists.

In case, you are on a smaller ticket that does not offer medical/health care options, it would be a good idea to speak to your attorney regarding addition of the label in the contract. This will help you and your record label avail benefits from health insurance included in the contract.

This will prevent a crisis from taking place. You would also be able to fix appointments as per the requirements. There are other options where you can purchase your own insurance or collaborate with a musician's union.

Add in your music band. This will help you get qualified for small business insurance category. This way, you will be able to get opportunities offered for minor companies. You may even write off premiums of medical/health insurance on your tax returns.

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