I'm a Musician: What Do I Do About Health Insurance?
If you are signed to a major label or a subsidiary, you may qualify for health insurance though AFTRA. This applies to "royalty artists" as well as session vocalists, and the plan also covers families, not just individuals. Check out aftrahr.com for more information; they also have a helpline. The American Federation of Musicians (AFM), a union for working musicians, also offers an array of plans to union members. There are a handful of unions and professional organizations you might already be associated with that help members with referrals. You can also just check on the FMC's website for a run down on all of this and more.
A postscript: The terrible news of Jason Molina's passing came as I was finishing this week's column. In 2011, his family started a fund to cover the mounting debt of Molina's uninsured stints in rehab. If you are a musician or work in the music industry and are battling addiction, MusicCares (1-800-687-4227) is a resource for those seeking sobriety that also provides financial assistance for rehab.
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