*EVENT ALERT* - Managing the Freelance Life - Monday, Dec. 5th - 5-7 PM at Gibney Dance

A few years ago, I produced a New York City-based event called Contact: A Networking Event for Freelance Dancers. While I haven't produced this event in the past few years, finding new ways to bring the freelance dance community together continues to be an important aspect of my work. Back in September, I was called into The Dancers' Resource and Career Transitions for Dancers to talk about events that may benefit those dancers, choreographers, and teachers who already work as freelancers or need more information about how to freelance. I am very excited to say that these great organizations asked me to speak at their first event catered to the freelance community on Monday, December 5th from 5-7 pm at Gibney Dance (280 Broadway). So, if you are looking for information to begin working as a freelance artist, need some tips for success, or are looking for a chance to meet other freelancers, feel free to join us for this free event, Managing the Freelance Life - Strategies for Success. Please share this with all of the freelancers you know (dancers, dance educators, choreographers).  If you plan on attending, please be sure to RSVP by clicking here. I hope to see you there and be sure to come up to me at the event and let me know that you heard about here on Life of a Freelance Dancer! Cheers!

8 Things You May Not Know About Me

Look! I got equipment for my project. Thanks Career Transitions for Dancers!

I've been posting a lot about my project, how to make your own, and my fundraising efforts over the past handful of blogs. I'm thinking that it may be time to take a little break from all of this explaining and self-promotion and share a mindless list post. It's been awhile since I've written any random lists for my readers. So in honor of today's change to the month of August, I'd like to share 8 (get it? The 8th month) things that you may not know about me. Enjoy!

1. When I was a kid, I was really torn about my future career. I really wanted to be a dancer. But I was actually equally passionate about becoming a meteorologist. My family used to joke that I would become a dancing weatherman. In between all of my time in school and dance classes, I wouldn't watch Nickelodeon or kids programming. Instead, I would sit glued to The Weather Channel.

I <3 NYC (from my Instagram feed)

2. Even though I was raised only 2 hours away from New York City, I never ventured into its cavernous, skyscraper-ed streets until I was 14. A great friend and her family (we went all the way back to pre-school together and are still friends today) kindly treated me to a day-long bus tour to see the city and a Broadway show (Titanic...It was definitely sinkable). While we saw the show and had a classy dinner, the only thing I vividly remember was taking a rest and sitting next to my friend and her mother at a fountain near Radio City Music Hall, where we people watched for a half hour. When I saw a businesswoman in a classy dress and sneakers running to hail a cab, I knew that New York needed to be a major part of my life. I'm still grateful for that trip today. Changed my life.

3. I lived in Seattle for 7 years and only began drinking coffee during the last 6 months of my stay there. This is one of my biggest regrets in life!

Please meet Psycho

4. When I was 15, my mom was considering getting a new cat. Being a quirky teenage boy, I told her she should name the new cat Psycho. She vetoed that idea. My response? "You wait til I get my first cat. Its name will absolutely be Psycho!" And you know what? Seven years later, at the age of 22, I got two cats and named one of them Psycho.

5. Yes, I'm 31 years old. And, Yes, I watch Spongebob for hours and hours on the weekends!

6. I talk about my personal life a lot on here, but I rarely talk about my family. I'm kind of odd, in a sense, that I don't have a great sense of family. Not that I don't love my family. My parents divorced when I was 1 and my father and his side of the family were never a big part of my life. My grandmother was a lovely lady who had a tendency to hold grudges. So, we never really saw that side of the family either. Aside from my mom, step dad, older sister, much younger brother (11 years), grandmother, and uncle, I had no contact with the rest of my family. To make up for it, I had my dance family. Some of my extended family has reached out to me as I have become an adult, but I found it challenging to accept their immediate love and support when I don't really know them or feel/understand that connection.

My concept of family? Most of them are in there/I couldn't find a clear shot of all of us

7. My partner and I are obsessed with graffiti art and collect vinyl toys. One of our favorite things when visiting other cities is to find street art and stores that sell these quirky toys (like Kid Robot). We have an accrued collection of well over 100 of these fun pieces of art.

Anniversary gift - Art by Lora Zombie

8. I was afraid of small cities and towns until I started freelancing. My entire life has been centered around larger cities. I was raised outside of Philadelphia and have lived in D.C., New York, Houston, Seattle, and back to Philly. When I found out that I was heading to places like Anchorage, Fort Wayne, Myrtle Beach, and Rochester, NY, I was genuinely frightened. I don't know exactly why, but I think I was convinced that people who don't live in big cities were conservative and judgmental of my lifestyle. I'm really glad that I've had the experience of freelancing because it has shown me that these are amazing places with even better people living there!

How to find and obtain health insurance

In the dorms at the School of American Ballet, attempting to do a breathing treatment for my asthma. My suitemates, Jermel Johnson (now Principal Pennsylvania Ballet) and Andrew Scordato (now Corps New York City Ballet), decided to have some fun while I used my nebulizer.

When I first decided that I was going to create this blog, I made a list of more than 30 topics that I felt were important to touch upon. Of course, I have added more to that list over time. But from the start, I knew that I needed to write a blog about obtaining health insurance as a freelance dancer. I've put it off and put it off again, but for good reason. How could I write a blog about searching for health insurance if I had never done a search myself? Well, dear followers, the search is over. I applied for my own health insurance plan earlier this week and now that I have gained credibility in writing this post through experience, I am prepared to share what I have learned through the process.

Being diagnosed at the age of 4 with severe asthma really taught me the importance of having health insurance. I visited the hospital at least 5 times per year until I was about 17 years old for asthma related problems. When I left PNB, I felt extremely fortunate that I was offered 18 months of continuing health coverage as a part of a federally regulated program called COBRA. I was moving across the country the day after my duties had ended with PNB, working with a new company, commuting over an hour each way from the suburbs, and searching for a new place to live in a city that wasn't very familiar. I hardly had time to figure out how to obtain health coverage.

COBRA was a godsend. I still had coverage to pay for that earwax blockage that prevented me from hearing out of my left ear for five days only three weeks after moving (ewww...gross), which surprisingly screwed up my ability to balance while dancing. I struggled to pay the $521.70/month tab, but felt that I was very lucky to still have the option to take care of myself. COBRA only lasts for 18 months after you cease working for a company. As I approached month 16, I had to begin seriously looking for coverage that was affordable, allowed me to take care of my asthma and medications, and offered options for physical maintenance while avoiding completely breaking the bank. Now that I have figured things out, I am still kicking myself that I could have been saving hundreds (and I mean hundreds) of dollars a month.

Before one starts looking for an affordable health plan, they should first determine their needs. For me, I am asthmatic and require certain medications that need to be refilled nearly every month. I also want to feel that if I am ill, that I can go straight to a doctor. I don't want to question whether I should see a doctor. If I have to pay a great deal out of pocket, chances are that I will keep putting off an appointment until I am way to sick to work. Being a dancer, I also feel it is important to have an option for physical maintenance to keep my body in the best condition that I can. So, for me, an ideal plan has affordable prescription coverage, low co-pay with no/low deductibles, and "specialist" coverage for PT and chiropractic care. I also travel a lot, so it would be impractical for me to get an HMO plan, where you have to choose one main doctor that gives you referrals for anybody outside their services (these plans are usually cheaper). I need a PPO plan that allows me to go to any provider that accepts a specific health insurance company's plan (read here for more information about HMO vs PPO).

Where does one begin their search for health insurance? My partner (life partner) owns an organizing business (Shameless plug) and has become "Philadelphia's next top networker." In his many ventures to make friends, obtain clients, and learn what people in Philly are all about, he met an insurance broker. Since my partner doesn't have any health insurance at the moment, the broker told him he could help him out. My partner mentioned that I would soon need to find new coverage and the broker offered me some great advice. If you have recently left a company and are on COBRA and you like your current health plan, call your current provider. PNB offered insurance through Regence, which is a subsidiary of Blue Cross Blue Shield. BCBS is one of the largest providers in the country. Using this network, with the right plan, I have had easy access to most providers, even though I live across the country. This is extremely important for freelancers who spend a large amount of time away from their home-base. All one has to do is call the customer service number on their insurance card and ask to talk to a representative about switching over to an individual plan. A dancer could easily do this before expensive COBRA payments kick in. Just make sure that you don't have a lapse of coverage for more than 63 days. Law states that an insured person can not be denied health coverage if they have had coverage less than 63 days before applying (read here). This method of seeking insurance is the quickest way to gain and continue coverage.

What are you supposed to do if you have had a lapse of 63 days without coverage, are leaving your parent's insurance plan, or have never had your own insurance coverage? The first thing you can do is call major national providers like BCBS, Aetna, or any others on this list. This is going to require a lot of time, patience sitting on the phone, and self-comparing. If you do have access to an insurance broker, like I did, you may want to give them a call and get advice from them. Don't be afraid if you don't have access to a broker. There are many websites that act like insurance brokers. One site I found particularly useful was Ehealthinsurance. Beyond that, one can use finder.healthcare.gov, healthinsurance.org, or any of the useful sites that are listed in this great article about finding your own insurance. Be aware that coverage can change according to your state, age, and other conditional items. If you don't get your health insurance through one of these websites, you can at least use them as a tool to get a general comparison of rates.

If you feel that you need some advice or assistance in looking for the right insurance plan, among other things, there are three great resources that EVERY freelancer should know about. Fractured Atlas is an organization that helps support and service artists of all types, from organizations to freelance dancers. If you look around this website, you can find information that can help you find health insurance. One can also join the Freelancer's Union. This union is free to join and their mission is to "connect freelancers to group-rate benefits, resources, community, and political action to improve their lives – and their bottom lines." Lastly, a dancer that has already spent some time as a professional can contact Career Transitions for Dancers for advice on insurance and beyond. I am sure there are many more resources out there that I have missed. If any of my readers have more to share, please feel free to leave a comment with that information below.

In the end, I ended up going with the carrier that I had through my COBRA with PNB. I was able to switch my company plan to an individual plan that is comparable to my previous coverage and I will be saving nearly $300 a month to boot. If you want to see what my plan looks like  click here and find the PPO 30 Copay plan. My co-pays are generally low, there is no deductible in-network, and I can see a physical therapist or chiropractor if necessary. Even though it was a lot of work to figure all of this out, I am glad that I can continue protecting my body and my wallet. As dancers, it is important that we do everything that we can to maintain our instrument. Every dancer should have some form of health insurance. According to this 2006 article in the L.A. Times, "Classical ballet companies, weighing injury totals against the number of dancers who perform each year, report a 67% to 95% annual injury rate." If a dancer is on their own, they need to have an option to take care of themselves if, and when, injury occurs.