Welcome ASO members!Thank you for joining us to learn more about our new Arts Worker Health Insurance Program.

Choreographing the aWHIP Program

Plan Comparisons

What is Insurance and Risk Management?

Reality Checks and Plan Options

Potential FeesSteve Beatty, cultureONE Inc.Michael Kelly, MHC Employer Benefits

choreographing the aWHIP program20 passionate years in the entertainment industry, Steve Beatty recognized a demand for an affordable and comprehensive theatre insurance program

actONE was launched in 1998 and is now cultureONE’s premiere theatre, dance and opera insurance program

cultureONE proudly insures more theatre and performing arts companies than any other Canadian brokerage firm

We believe artists shouldn’t struggle to access affordable health insurance programs

Two years ago, we began to investigate program potential and were grateful for the encouragement of industry directors including the unwavering support of Elizabeth Chitty, formerly of CADA.

Our Market Research Survey—conducted through the ASOs—supported our theory that an Arts Worker Health Insurance Program was necessary and sought after.

Steve joined forces with Michael Kelly—an employee benefits specialist for over 25 years and Vice President with MHC Employee Benefits.

Using market research and input from an enthusiastic team, Michael skillfully created the definitive plan and set out to secure a solid underwriter.

Over the years, we had explored options but this was the first time cultureONE secured an interested, well-rated carrier for an Arts Worker Program.

Working with Greenshield Canada and Lloyds of London, Michael and Steve conceptualized and designed the aWHIP program.

Thousands of dollars have been invested in developing an online enrolment solution so members may easily and conveniently apply.

aWHIP receives a standing ovation when compared with other insurance plans!

aWHIP’s options far exceed those of its two lesser rivals: Manulife Flex Care and Arts & Entertainment (A&E) with these key features:

1.Available on an individual basis or with additional cost savings as a group

2.Most importantly … NO MEDICAL EVIDENCE REQUIRED!!

We’re receiving positive reviews …

As a co-founder of CADA in the 80’s, I joined forces with our group with a desire to negotiate insurance programs. I was thrilled to join the aWHIP program in March through CADA. Having an educated opinion about it, I can really appreciate what aWHIP has to offer.

Particularly appealing is the wide variety of eligible health practitioners and choice of plans—giving me the ability to mix and match options to suit my needs. Offering “couple rates” is an amazing benefit

Thank you for providing aWHIP. I will continue to spread the word about your great program. We must keep the “buzz” going.

~ Marie-Josée ChartierCADA Member and Co-Founder Artistic Director, Chartier Danse

Insurance provides protection against loss arising out of an event. This protection exists when an individual or business pays an insurance premium.

The act, system, or business of providing financial protection for property, life, health, etc. against specified contingencies, such as death, loss, or damage and involves paying a regular premium in return for a policy guaranteeing such protection.

What is RISK MANAGEMENT?

Risk Management is the technique or profession of assessing, minimizing, and preventing accidental loss to an individual or business through the use of insurance and safety measures

What is INSURANCE?

What RISKS do you face?

reality check #1YOU HAVE A 1 IN 3 CHANCE OF BECOMING CRITICALLY ILL

Illness can strike at any time—without warning.

Joining aWHIP will ensure you receive the treatment and drug therapy you need should the worse happen.

reality check #1YOU HAVE A 1 IN 3 CHANCE OF BECOMING CRITICALLY ILL

OHIP only provides catastrophic coverage under the Trillium Drug Program after a deductible—based on family net income—has been satisfied.

aWHIP provides Pay Direct Drug Card and reimburses:

HC1 70% up to $1500 max/yearHC2 80% up to $2000 max/yearHC3 90% up to $2500 max/year

reality check #2ACHES AND PAINS ARE TREATABLE … FOR A PRICE

Paramedical services are essential to maintain a performing artist’s health.

OHIP PROVIDES NO COVERAGE for chiropractic, physiotherapy, massage therapy or naturopath services.

reality check #2ACHES AND PAINS ARE TREATABLE … FOR A PRICE

aWHIP reimburses paramedical services (chiropractic, massage therapy, naturopathy, osteopathy, physiotherapy, podiatry/chiropody, speech therapy and

psychology) as follows:

HC1 70% up to $300 max/yearHC2 80% up to $500 max/yearHC3 90% up to $750 max/year

WITHOUT DENTAL INSURANCE, YOUR TEETH WILL SUFFER

Fewer dental check-ups and cleanings can lead to:= decay + cavities= root canals= systemic (cardiovascular) disease= ugly plaque= gingivitis= bad breath= bad teeth

reality check #3

WITHOUT DENTAL INSURANCE, YOUR TEETH WILL SUFFER

OHIP provides NO COVERAGE for routine or major services (i.e. cleanings, fillings, extractions, endodontic, periodontics, crowns, bridges, dentures).

aWHIP covers basic (routine, endodontic and periodontics) services:

DC1 reimbursed 70% $750 per person/yearDC2 reimbursed 80% $1000 per person/yearDC3 reimbursed 90% $1500 per person/year

reality check #3

Ignoring dental care can result inPAIN and BIGGER problems.

If tooth pain strikes, how will you perform?

The entertainment industry places a high premium on beauty.

Beautiful teeth and a winning smile =

MORE opportunity andHIGHER PAID* employment

* The Economic Value of Teeth by Sherry Glied, Matthew Neidell. NBER Working Paper No. 13879, Issued in March 2008

reality check #4VISION HEALTH IS OFTENNEGLECTED WITHOUT BENEFITS

OHIP provides NO COVERAGE for glasses or contact lenses. Coverage for one eye exam every 12 months ONLY for residents age 20 and under or age 65 and over.

aWHIP provides reasonable and customary visits every 24 months FOR ALL AGES in all 3 levels. Contacts and glasses included as follows:

HC1 not included.HC2 100% $150 max/person/24 mos.HC3 100% $200 max/person/24 mos.

reality check #5IF YOU CAN’T WORK DUE TO AN ACCIDENT, WHAT WILL YOU DO?

aWHIP’s Weekly Indemnity Program will pay you $300 A WEEK income for up to a year in addition to the following benefits:

AD&D1 $30,000 sum; $10K accidental medical expenses; $2K accidental dental expenses

AD&D2 $50,000 sum; $10K accidental medical expenses; $2K accidental dental expenses

AD&D3 $75,000 sum; $10K accidental medical expenses; $2K accidental dental expenses

OHIP WILL NOT PAY the same medical expenses that are covered in Ontario.

You are entitled to very limited funding for many medical services outside of Canada.

aWHIP provides 100% 60-day out-of-country trip coverage up $5,000,000.

ENTERING THE USA WITHOUTINSURANCE IS RISKY BUSINESS

reality check #6

* Fees are average prices and may varyfrom practitioner geographic location

What fees could you facewithout adequate coverage?

What fees could you facewithout adequate coverage?

* AHC (Artists’ Health Centre Foundation) Service Fees as at May 2012

What fees could you facewithout adequate coverage?

* Fees are average prices and may varyfrom practitioner geographic location

For less than alatte a day,You’ll enjoy health care benefitsyou won’t receive from OHIP.

Did you know?Your aWHIP premiums may be claimed under the Ontario MedicalExpense Tax Credit.

Join today!Enrolment is easy and ongoing. Simply visit aWHIP.ca, pick the plan that best suits you and your family and your benefits will begin within 30 days.

With participation and commitment from the arts community, aWHIP will thrive and sustain many years of success.

Q&A and open discussionLET’S CHAT!