SAG-AFTRA Health Benefits

Premiums

Premium Due Dates

In order to receive coverage, participants are required to pay a premium.

For most participants with Earned Eligibility, including network and station staff and covered Roster Artists, the premium is due quarterly. This premium also applies to those covered under the total disability extension. The premiums below are effective as of January 1, 2021 and are subject to adjustment by the Trustees.  

Your premium is due by the 1st day of each calendar quarter for Earned Eligibility coverage, or by the 1st day of the month for Senior Performers or Surviving Dependent benefits. For example, the payment for the 1st quarter of the calendar year (January through March) is due on January 1. There is a 15-day grace period. Plan coverage will not be extended until your payment is processed. You are encouraged to submit your premium prior to the due date to allow processing time and avoid any interruption in your coverage. The due date applies even when traveling. The grace period is for unforeseen circumstances.

Termination of Coverage

If the Plan does not receive your premium payment by the due date, you will not be entitled to any coverage under the Plan until your next benefit period. You will not be entitled to COBRA if your coverage is terminated due to failure to pay your premium.

For example: If you make quarterly payments and your benefit period is January 1, 2021 through December 31, 2021 and you fail to pay your first quarterly premium by January 15, 2021, you will not be entitled to any Plan coverage until January 1, 2021, provided you re-qualify for coverage by either meeting the minimum earnings requirement or meeting the Senior Performers requirements.

Late Payment Waivers

If your payment was not received by the due date you can reinstate your coverage by using a late payment waiver. The Plan allows one late payment waiver per benefit period with a maximum of two late payment waivers per lifetime for Earned Eligibility. Senior Performers and dependents covered under the Surviving Dependent benefit are eligible for one late payment waiver per benefit period. Participants may use a late payment waiver up to the last day of the quarter for which a payment is due.

The Plan will automatically apply a late payment waiver (if available) when your payment is received after the due date. Your coverage will be automatically and retroactively reinstated.

 

Quarterly Earned Premiums 2021

Participant Only $375 per quarter
Participant Plus One Dependent $531 per quarter
Participant Plus Two or More Dependents $747 per quarter

*Please refer to the senior performers eligibility requirements on page 24 of the SPD.

**Includes coverage for dependent children.

Regular COBRA Premiums 2021

Individual only

$959/month

$756/month

Individual plus 1 dependent

$1,700/month

$1,307/month

Individual plus 2+ dependents

$2,370/month

$1,807/month

Extended Career COBRA Premiums 2021

Individual only

$192/month

$192/month

Individual plus 1 dependent

$340/month

$340/month

Individual plus 2+ dependents

$474/month

$474/month

If you lose your current Plan I or Plan II coverage, you may be eligible for our new benefit: Extended Career COBRA

  • When you qualify for this benefit – and timely elect COBRA – you’ll pay a reduced premium of 20% of the COBRA premium

  • Your next notice of qualification from the plan will tell you if you’re eligible for Extended Career COBRA. Follow the instructions in the notice if you want to enroll.

Note: Retirees receiving a SAG or AFTRA pension, Roster Artists, Station Staff, and employees of SAG-AFTRA, the SAG-AFTRA Foundation, the SAG-Producers Pension Plan and the AFTRA Retirement Fund are not eligible for Extended Career COBRA. 

Temporary COVID Relief program premiums

Individual

$184/month

$184/month

Individual plus 1 dependent

$333/month

$333/month

Individual plus 2 dependent

$467/month

$467/month

Coverage Continuation Assistance
In response to the continued COVID-19 crisis, the SAG-AFTRA Health Plan will provide support by paying a significant portion of the COBRA premium for qualified participants who lose plan coverage.