Frequently Asked Questions
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What is Cast & Crew Open Health?
Cast & Crew Open Health is a unique Affordable Care Act-compliant healthcare insurance offering that enables entertainment industry employers to provide benefits to their non-union employees. It is low cost, simplifies budgeting and eliminates cost-allocation challenges. It also simplifies year-end reporting and automates a great number of other functions, including Notice of Exchange (NOE) letters and COBRA distributions.
Moreover, because coverage is portable, you can retain your current payroll-service provider. Employees’ hours are aggregated across all member companies – making their coverage in the Plan portable as well.
Cast & Crew Open Health offers coverage to both project based and staff employees.
How does this program benefit our company?
Cast & Crew Open Health significantly reduces your ACA burden, and ensures you are ACA compliant. You no longer have to allocate valuable company resources tracking hiring status or terminations or spend time computing cost allocation to productions.
How is this plan different?
Cast & Crew Open Health is different because it is a total industry solution to the Affordable Care Act challenge. Open Health is a fully insured multiple-employer welfare arrangement. It allows employers the freedom to continue doing business the same way they did before the ACA. Open Health is portable for the employer irrespective of payroll-service provider. It also is portable for employees who become covered under the Plan.
What are the costs to the employer?
The Plan’s cost structure for project-based employees is similar to that used in the industry today and is based on a percentage of gross wages up to a cap. This provides certainty for budgeting. The Plan also offers a monthly cost structure amount for staff employees.
What do we need to do to take part in this program?
It’s easy – just sign up by executing the Plan documents supplied in your documents package. Your contributions will be billed on your payroll invoice.
Does the plan qualify for any tax incentives?
Cast & Crew Open Health qualifies under many state tax-incentive programs. A map detailing state-by-state incentive availability is included with this package and is available at the following link:
Who handles individual enrollment?
Cast & Crew Open Health manages all aspects of employee enrollment. After enrolled employees become eligible, they will receive enrollment information either electronically or by mail. Enrollment can be completed using our web-based tool or by submitting documentation through the U.S. mail.
How is reporting handled?
The Plan will file a single Form 5500 on behalf of all participating employers, and participating employers will be relieved of their separate Form 5500 filing obligations.
The Plan will provide Form 1095-Cs to covered employees on behalf of participating employers and file a Form 1094-C on behalf of the employer for the covered employees.
However, each employer must also file a single Form 1094-C, aggregating data for all of its employees, known as the authoritative transmittal. Employers will be required to aggregate the data provided in the Form 1094-C filed by the Plan with data regarding employees who are not covered employees and prepare their own authoritative transmittal. Cast & Crew Open Health will provide the data necessary to simplify this reporting.
Does this program change which organization is the common law employer?
No. The current employer status remains the same. The common law employer will sign up and all entities associated with that employer will be covered.
How does an employee receive a Notice of Exchange?
NOEs will be delivered automatically to new hires if they are working for a participating member employer.
How do we pay for the Cast & Crew Open Health?
This is the best part. The cost will appear as a fringe on your payroll invoice and will be remitted by you or your payroll services provider to the Plan, along with a data file and remittance report.
Will my choice of payroll provider be affected by joining this plan?
No. There will be no impact. Member companies will retain full autonomy regarding their payroll provider.
Why are you including non-affiliates?
Although contributions may be made to a collectively bargained plan on his or her behalf, should the non-affiliate not qualify for benefits in such a Plan, the employer is exposed to non-compliance and ACA penalties. Therefore, to provide certainty and to eliminate the risk to the employer, the non-affiliate is included in Cast & Crew Open Health,
What if I have an employee who is paid both union and non-union wages?
All non-union wages are considered.
Are loan-outs included in the Plan?