"Tore my rotator cuff rigging a 4K. Accident supplemental paid out $4,800 in cash within two weeks. Wouldn't go without it now."
Marcus T.
Key Grip · Albuquerque, NM
REEL 03G&E — GAFFERS · KEY GRIPS · BEST BOYS
Health insurance for grip & electric.
Accident-first plans for the crew that actually moves the weight. Built for the physical, on-set work that the rest of the industry depends on.
SCENE 01 — WHY
Why coverage hits different for grip & electric.
POINT 01
On-set injury risk is real
Lifts, rigging, cable runs, hot lamps. Standard ACA plans cover treatment and surgery; we strongly recommend pairing an accident supplement that pays cash for ER, fractures, and PT.
POINT 02
Plans that respect overtime bodies
14-hour turnarounds add up. We filter for plans with strong PT, chiropractic, and orthopedic networks — and telehealth so you don't lose a day driving to an appointment.
POINT 03
Coverage when you bounce between productions
ACA marketplace coverage doesn't end when wrap day hits. Subsidies stay in place based on annual projected income — even with weeks of gap between bookings.
POINT 04
IATSE Local 728 / 80 — modeled against ACA
If you hit union qualifying hours, IATSE health is usually the right primary. We help you keep ACA in your pocket for the non-qualifying quarters.
SCENE 02 — COVERAGE
Plan types built for this role.
REEL 01
ACA + accident supplemental
The pairing we recommend for most non-union or quarterly-union G&E. Primary ACA coverage plus cash-pay accident for on-set injuries.
See coverage
REEL 02
National PPO (multi-state)
If you're chasing productions across state lines, a multi-state PPO keeps in-network rates everywhere you rig.
See coverage
REEL 03
Family ACA
Cover a spouse and kids on the same plan with household-scaled subsidies.
See coverage
SCENE 03 — STORIES
From the set, in their words.
"First year my coverage actually held up across three states. The PPO they put me on worked everywhere I worked."
Jenna F.
Best Boy Electric · New Orleans, LA
RUN-TIME / 00:02:00
Get your free quote.
Seven quick fields. Licensed advisor follows up within 24 hours — no spam.
SCENE 05 — FAQ
Set FAQs.
SCENE 01Does accident supplemental replace health insurance?
SCENE 01
Does accident supplemental replace health insurance?
No — it pays on top of it. Think of it as a cash bonus when you visit the ER or fracture something on a rig. It doesn't satisfy the ACA requirement on its own.
SCENE 02What if I get hurt on a non-union show?
SCENE 02
What if I get hurt on a non-union show?
Production should carry workers' comp, but coverage and willingness to pay vary. Personal health insurance plus accident supplemental gives you a backstop when the producer's comp claim drags out.
SCENE 03I work weeks on, weeks off — does ACA make sense?
SCENE 03
I work weeks on, weeks off — does ACA make sense?
Yes. ACA coverage is continuous; it doesn't end with the production. Subsidies are based on annual projected income, so the gaps don't penalize you.
SCENE 04Is chiropractic covered?
SCENE 04
Is chiropractic covered?
Most ACA-compliant plans cover medically necessary chiropractic. We can filter for plans with explicit chiro benefits and stronger networks for spine and joint care.
SCENE 06 — OTHER ROLES