This document provides information about a new Arts Worker Health Insurance Program (aWHIP). It introduces Steve Beatty and Michael Kelly who created the program. The document outlines some of the key features of the aWHIP plans, including coverage for prescription drugs, paramedical services, dental care, vision care, accident insurance, and out-of-country medical coverage. It notes the costs artists could face without adequate health insurance and compares aWHIP's coverage and fees to other options like OHIP. Attendees are encouraged to enroll in aWHIP to receive benefits not covered by OHIP.

1. 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 Fees
Steve Beatty, cultureONE Inc.
Michael Kelly, MHC Employer Benefits

2. choreographing the
aWHIP program
20 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

3. 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.

4. 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.

5. 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.

6. 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:
•Available on an individual basis or with
additional cost savings as a group
•Most importantly …
NO MEDICAL EVIDENCE REQUIRED!!

7. 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 Chartier
CADA Member and Co-Founder
Artistic Director, Chartier Danse

8. What is INSURANCE?
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

9. What RISKS do you face?

10. reality check #1
YOU 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.

11. reality check #1
YOU 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/year
HC2 80% up to $2000 max/year
HC3 90% up to $2500 max/year

12. reality check #2
ACHES 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.

13. reality check #2
ACHES 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/year
HC2 80% up to $500 max/year
HC3 90% up to $750 max/year

14. reality check #3
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

15. 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/year
DC2 reimbursed 80% $1000 per person/year
DC3 reimbursed 90% $1500 per person/year

16. Ignoring dental care can result in
PAIN and BIGGER problems.
If tooth pain strikes,
how will you perform?

17. The entertainment industry
places a high premium on beauty.
Beautiful teeth and a
winning smile =
MORE opportunity and
HIGHER PAID* employment
* The Economic Value of Teeth by Sherry Glied, Matthew Neidell.
NBER Working Paper No. 13879, Issued in March 2008

18. reality check #4
VISION HEALTH IS OFTEN
NEGLECTED 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.

19. reality check #5
IF 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

20. reality check #6
ENTERING THE USA WITHOUT
INSURANCE IS RISKY BUSINESS
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.

21. What fees could you face
without adequate coverage?
* Fees are average prices and may vary
from practitioner geographic location

22. What fees could you face
without adequate coverage?
* AHC (Artists’ Health Centre
Foundation) Service Fees as at May 2012

23. What fees could you face
without adequate coverage?
* Fees are average prices and may vary
from practitioner geographic location

24. For less than a
latte a day,
You’ll enjoy health care benefits
you won’t receive from OHIP.

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

26. 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.

27. Q&A and open discussion
LET’S CHAT!