Below, find the MPI Health Plan breakdown chart.
Understand that this chart outlines the plans in their current state. The current contract negotiations could include changes to these plans. If any changes are made, this chart will be updated.
Motion Picture Industry Health Plan | |||
Eligibility | Earned after six month qualifying period where at least 600 hours is worked.Participation is checked every six months and maintained by working at least 400 hours in the previous six month period. |
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Premiums | Currently, there are no premiums for participation in the MPI Health plans. However, that may change with the new contract being negotiated. |
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Bank of Hours | Funded by hours worked after participation in the next six-month period is reached. Capped at 450 hours. Used to maintain participation in the health plan if there aren’t enough hours worked when the plan checks for eligibility. |
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Who is covered? | * Participant * Spouse/Same-Sex Domestic Partner (if that person works and their job offers health care, they must take minimum and MPI will act as secondary) * Children |
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Medical Options | |||
BCBS/MPI PPO (MPTF Health Centers) |
Kaiser HMO | HealthNet HMO | |
Co-Pay | $30 per visit($5 per visit at MPTF Health Centers) |
$15 per visit | $15 per visit |
Insurance covers | 90% In-Network costs | All in-network costs | All in-network costs |
Out Of Pocket Maximums | $1000 per year | $8000 per individual / $16,000 per family, per year |
$8000 per individual / $16,000 per family, per year |
Comparison Chart | http://animationguild.org/organ ize/MPIActive_MedDentalComparison2011.pdf |
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Dental Options | |||
Delta Dental PPO | DeltaCare USA HMO | ||
Co-Pay | $25 Individual / $50 Family per year |
No Co-Pay | |
Insurance covers | 80% In-Network Usual and Customary fees |
>All in-network costs | |
Out Of Pocket Maximums | $2000 per year | No Out of Pocket Max (no costs passed to participant) |
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Orthodontics | Eligible dependent children only 50% of costs covered $1k lifetime maximum |
$1,100 for Children $1,500 for adults $250 start-up fee |
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Vision Service Plan (VSP) | |||
Co-Pay | $20 per visit | ||
Insurance covers | One Standard Exam Lenses once per year Frames once per two-years |
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Frames Allowance | $145 Can be put towards cost of expensive frames 20% discount on cost difference after allowance |
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Contact Lenses | Once a year in lieu of Frames and Lenses $105 allowance for lenses and fitting exam If prescribed by doctor, all costs are covered |
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Medco (Prescription Drugs) | |||
Co-Pay (less than 90 day need) |
Generic name: $10 Brand Name: $40 |
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Co-Pay (Medco-By-Mail) (for prescriptions lasting over 90 days) |
Generic name: $25 Brand Name: $100 |
$8000/$16,000 out of pocket for Kaiser? That’s incredibly high. The current Sony plan is only $1500/$3000. How likely is it we can at least match the current Sony benefits?
Hello Anon,
It may seem high when comparing the numbers, but the real apples-to-apples comparison takes place when you match up out of pocket costs. Since you’re talking about an HMO, there are little to no costs not managed by the HMO and therefore the responsibility of the participant.
To find the list of MPI HMO out of pocket costs, go to pages 75 – 83 of the Health Plan SPD. If you can provide the out of pocket costs for Sony’s HMO, a real comparison can be done.
Otherwise its safe to assume no matter what they set HMO out of pocket costs limits to be, you’ll never hit those limits because the HMO manages the costs internally.
Re premiums under the tentative deal recently negotiated, you can find details at http://www.hollywoodreporter.com/news/iatse-amptp-three-year-deal-312023.
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