December 16, 2015
We've Got You Covered
In This Issue
Who We Are
Your Benefits
Essential Plan and Benefit Communications
Pharmaceutical Drug Plan - Changes for 2016
Plan Changes - Opposite-Sex and Same-Sex Domestic Partnerships
Essential PHBP Employer Communications
Dramatic Freelance Dependent Cost Reduction for 2016 Open Enrollment
Employer Checklist for period ending December 31, 2015
New Participation Agreement provides greater clarity around the definition of Gross Earnings
Your Health and Wellness
How Old Is Your Heart?
Proactively Managing your Health with Anthem's Health Programs and Tools
PHBP is offering dramatic reductions in freelancer dependent coverage for 2016. Open Enrollment period: December 11, 2015 - December 31, 2015.
2016 Open Enrollment has begun for those interested in Staff coverage.

Open Enrollment for Staff Employers: 12/2/2015 - 12/31/2015
•  Open Enrollment for Freelancers: 12/11/2015 - 12/31/2015
•  Freelancer Benefit Webinar: 12/17/2015: 9:00 PM EST - 10:00 PM EST

Existing Staff Benefit Webinar: 12/21/2015: 12:00 PM EST - 1:00 PM EST

New Staff Benefit Webinar: 12/21/2015: 2:00 PM EST - 3:00 PM EST

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Essential PHBP Employer Communications
New Participation Agreement provides greater clarity around the definition of Gross Earnings

PHBP Contributing Employers are aware that contributions for non-union freelancers in covered categories are based upon 8% of each freelancer's gross earnings. We've received questions about what gross earnings are included in the 8% required contribution, so we wanted to include some additional detail. A 2016 Participation Agreement was recently distributed to you, which includes the detail that PHBP management feels will be helpful. The new language is paraphrased as follows:

"....salary, wages, fees, charges, paid time off, cancellation or postponement pay, bonuses, profit participation and expenses, except for reimbursement of actual, documented out-of-pocket expenses, incurred by the employee in the performance of work in the covered job category..."

Please read through your 2016 Participation agreement at your earliest convenience, and sign and submit no later than December 31, 2015. For additional information, please reach out to



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Producers' Health Benefits Plan
c/o BeneSys
P.O. Box 2340
West Covina, CA 91793

Producers' Health Benefits Plan Office:

Executive Plan Administrator
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