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Arts Worker Health Insurance Program
Why should artisans struggle to access affordable health insurance programs? We believe they shouldn't.
Together with partners MHC (Mainway Hunter Creighton) Insurance Employee Benefits, cultureONE is pleased to introduce aWHIP — an innovative new program uniquely designed to meet the needs of the arts workers' community. After extensive research and collaboration with many Arts Service Organizations (ASOs), we have developed three core benefit plans, geared to cover health expenses that range from life's day-to-day activities right through to catastrophic emergencies such as out-of-country illness.
Our state-of-the-art aWHIP program features multiple plan options, each including some of the following highlights:
• Accidental Insurance ranging from $30,000 to $75,000 • Weekly Accident Indemnity • Healthcare Coverage including a Prescription Drug Card • The services of many health practitioners (chiropractors, massage therapists, etc.) • Vision Care • Dental Care
To be eligible to join the plan you must be either a self-employed arts worker or a corporation* that is a member in good standing of one of the participating ASOs.
*Please note, if you are joining as a corporation you must make the program available to all your eligible employees.
Insurance Underwriters
The primary insurers for this program are Lloyd’s through Sutton Special Risk for the AD&D/Weekly Accident benefits and Green Shield Canada for the health, dental and vision benefits. However, you will have single source billing — together with all administration — through MHC Employee Benefits.
Once you have been enrolled in the plan, you will have access to the Green Shield website to check claim status, etc.
Who Can Join?
You are eligible to join the plan if you are a self-employed arts worker who is a member or associate of the participating ASOs or a company that is a member of the participating ASOs.
Other self-employed arts workers can join by providing a signed letter that identifies your status, supported by a curriculum vitae showing a minimum of one year of professional activity. A self-employed arts worker is defined as a professional artist or other worker in any arts support role, for example administrator, consultant, curator, graphic designer, rehearsal director, etc.
If your company has five or more full-time employees and would like to discuss how this program can be tailored to suit your needs simply email us your contact information or call 1.800.263.5173 and we will be glad to help you out.
Frequently Asked Questions (Click on each question to view the corresponding answer)
What benefits are available?
The plans flexibility lets you design an employee program for any budget. There are currently 3 plan levels available, each plan provides personal accident insurance coverage along with a health and dental option. You must select one option from each benefit.
Can I mix and match the benefits?
Yes, however you much select one from each benefit class. Please review the benefit schedule below.
Can I cover my dependents?
Yes if you apply for family coverage.
What if I am a single parent with a child or married with no children?
You would apply as a couple paying the lower rate.
What if I am a single parent with children?
Then you would apply for the family rate.
What if my spouse has coverage?
You have the option of waiving benefits for your spouse provided you supply us with the carrier and policy number; otherwise they should be included.
When can I change my benefit options?
Individuals make benefit changes prior to the November renewal date. The best way to initiate a change before the renewal date is to call the number on the aWHIP site. They can walk you through the options available to you.
When are my benefits effective?
Provided we have received your application by the 20th of the month and it has been approved, your benefits will be effective the first day of the next month.
How will I know if my application has been approved?
If your application is approved you will be notified by electronic confirmation from aWHIP confirming the effective date of your coverage.
Is medical evidence required?
No, medical evidence will not be required.
How do I pay for my benefits?
Payments are made on a monthly basis by either visa, mastercard or pre-authorized debit. Please complete the applicable payment authorization form and submit with your enrolment.
When is my first payment due?
First payment will be withdrawn from your bank account coincident with the start of the program.
How will I know the exact amount of my monthly payment?
aWHIP will confirm that amount with your approval.
Are the premiums tax deductible?
Premiums may be tax deductible for individuals or businesses. Please consult your tax advisor for more information.
When will my rates change?
The benefit plan commences November 1st and ends the last day of October of the following year.
What if I join the plan within 90 days of the renewal date?
If you join the plan within 90 days of the renewal date your first renewal will not be until the following November. For example, if you joined in September 2012 your first renewal would be November 1, 2013.
How do I make a claim?
You will receive a claim card with an aWHIP member account number. You will use this card when going to the pharmacy or visiting your dentist. Some drug prescriptions and dental claims can be processed immediately from the pharmacy or dental office. This eliminates the need to send a paper claim for processing. Your pharmacist, dentist or other practitioner will let you know when you need to submit a paper claim.
What if I am not sure if my benefit is covered?
Refer to your benefit booklet or you always have the option of calling the Green Shield toll free number 1-888-711-1119 to obtain coverage information. Please ensure you have your plan ID available. In addition a full description of the aWHIP Benefit programs are available on this page. Any claim forms necessary, i.e. health, dental, etc. are also available on-line
How do I check my claim status?
By registering as a plan member on the Green Shield website you have the availability of pre-printed claim forms, status of your claim and maximums to date.
Can I have my claim reimbursement direct deposited into my bank account?
Yes, simple register as a plan member through Green Shield on-line services. This will allow you to obtain personalized claim forms, find out benefit eligibility information and instant access to personal claims information.
aWHIP Plan Options Benefit Comparison

Direct Lines and E-Mails:
Adriana Chiappetta 905-667-4755 adriana.chiappetta@mhcinsurance.ca
Caroline Kennedy 905-667-4757 caroline.kennedy@mhcinsurance.ca
Sharon Schell 905-363-7934 sharon.schell@mhcinsurance.ca
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