HEALTH INSURANCE ? DO YOU HAVE IT ( MUSIC ARTIST )

                    HEALTH INSURANCE ? DO YOU HAVE IT

As a recording artist one of the most costly mistakes you can make when signing a contract is not negotiating an insurance policy. Most artist never even think about Health Insurance because let's face it most of us don't think about health insurance until we need a doctor and at that time it may be to late. 

Health insurance for a music artist is just like securing health insurance for an independent contractor, but the key difference is since you are a an independent contractor that works directly for one label, you can negotiate or demand that the label cover your health insurance plan and have it included in your contract. 

When negotiating the Health insurance plan, make sure it is a family plan even if you are a single artist, ( you never know how life may change) and since these contracts usually last 12 month to 4-5 years,you want to covered fully in the event you have a family or spouse.

If you opt to just get a single person coverage plan, then remember to demand a contract revision when your marital circumstances change or you have a child. 

The artist must also remember to include dental, which is very important for an artist. you should not pay fully out of pocket for this, or have to take an advance to get your teeth fixed, whiting etc. 

If you are an artist that needs vision include this as well.   

Most independent contractor health plans for families are around $500-$600 per month which is nothing for a label to cover, but if you don't bring it up they will NOT because they are going to save that money monthly by not spending it on you. REMEMBER ( THE LABEL IS IN THE BUSINESS OF MAKING MONEY NOT SPENDING OF LOOSING) 

Even tho a healthy artist is important, the labels look at it as loosing money, because they don't see a true return on the money spent. Labels don't factor in that a healthy artist as important. 

They would rather spend that $500-$600 on marketing to increase more sales and demand for shows.

So before you sign that deal, make sure your lawyer has included a segment for your health insurance coverage, make sure it is worded correctly, you need full coverage, for emergency services that also cover you nationally or if your on the verge of being a major artist internationally. 

International health care coverage = This type of health coverage is tricky to attain because of the different lays in different countries etc. The easiest way to do it is by having the labels commit to take full responsibility of covering your health cost with out looking for any form of reimbursement. 

below you can find some info and how to sign up for health insurance yourself, if your planning on a being a independent artist.

https://www.musicproinsurance.com/




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