Health Care

Providers Needed for MusiCares Medical Network

To better address the ever-growing number of music professionals without basic or adequate medical coverage, MusiCares (50lc3 non-profit organization) works closely with a dedicated group of health care professionals through the MusiCares Medical Network to provide the valuable and often life-changing services that some clients require, but simply cannot afford. The network is comprised of providers who recognize this reality and generously give their time and expertise to treat MusiCares’ referrals that are underinsured or uninsured and lack the means to pay for services. Through the efforts of these professionals our clients are able to access specialty care that may not be available to them. MusiCares can often cover the costs of the services offered by the providers when the music client receives approval in advance.

MusiCares Medical Network providers are needed in a variety of specialty areas nationwide, including Internal Medicine, Anesthesia, Orthopedic Surgery, General Surgery, Physical Therapy, Ophthalmology, Dentistry, Occupational Therapy, Podiatry, Urology, Otolaryngology, Dermatology, Addiction Medicine and Family Medicine to name a few. We are interested in expanding our coverage to provide a broader outreach to the music community.

MusiCares will initially vet the client case to determine eligibility and will then schedule the appointment for the client in need. Initial fees will be determined in advance for the initial visit and all payments are issued directly to the provider after the services are provided. MusiCares provides direct financial assistance to approximately 6000 clients annually for a variety of issues and needs. Each provider in our medical network shouldn’t receive any more than a few referrals annually.

Interested parties are encouraged to submit:

  • Name
  • Type of practice
  • Credentials
  • Address of practice
  • Phone number
  • Contact name and email address for appointment scheduling
  • Website address (if interested in being included in our MMN group listed online)
  • Fee schedules


Please send form to:

Debbie Carroll, LCSW

Senior Executive Director

(615) 327-0050 p. (615) 327-0876 f.


For more information about MusiCares, please visit


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Athletes and the Arts: Expand Your Influence

American Academy of Pediatrics: Council on Sports Medicine and Fitness

“Athletes and the Arts: Expand Your Influence”
By Randall Dick, FACSM

Performing artists are athletes. Just like sport athletes, they
-Practice or perform almost every day
-Play through pain
-Compete in challenging environments
-Experience little “off season”
-Face extreme competition
-Risk the temptation of substance abuse
-Face real risk of career-threatening injury


Read the full article on pages 9-11 of the Fall 2013 COSMF Newsletter from the American Academy of Pediatrics Council on Sports Medicine & Fitness:
Athletes and the Arts: Expand Your Influence

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New Musicians Performance Pain Symptom Monitor

Athletes and the Arts in collaboration with PAMA (Performing Arts Medicine Association), and New Orleans Musicians’ Clinic & Assistance Foundation have developed a new tool to monitor musicians performance pain.  Musicians are strongly encouraged to complete this form to aid in their care.

Performance Pain Symptom Monitor (scroll to the bottom of the page that opens to find the performance pain symptom monitor)

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Are performing artists athletes?

WATCH this video and decide for yourself  (click the image to open and play the video)












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Athletes and the Arts – The Role of Sports Medicine in the Performing Arts

“Athletes and the Arts – The Role of Sports Medicine in the Performing Arts”

Dick, Randall W. MS, FACSM; Berning, Jacqueline R. PhD, RD, CSSD; Dawson, William MD, BS, FAAOS; Ginsburg, Richard D. PhD; Miller, Clay MD, MFA, PMR; Shybut, George T. MD

Published in Current Sports Medicine Reports, November/December 2013, Volume 12, Issue 6, p. 397-403.


Performing artists are athletes. Like athletes, performing artists practice and/or perform most days with little off season, play through pain, “compete” in challenging environments, and risk career-threatening injury. Athletes and the Arts is a multiorganizational initiative linking the sport athlete and musician/performing artist communities. Performing artists of all ages and genre are an underserved population related to medical coverage, care, injury prevention, performance enhancement, and wellness. Sports medicine professionals are a valuable resource for filling this gap by applying existing knowledge of treating sport athletes (nutrition, injury prevention) while gaining a better understanding of performers’ unique needs (hearing loss, focal dystonia) and environment. These applications can occur in the clinical setting and through developing organizational policies. By better understanding the needs of the performing arts population and applying existing concepts and knowledge, sports medicine professionals can expand their impact to a new patient base that desperately needs support.

Read full article – Athletes and the Arts – The Role of Sports Medicine in the Performing Arts

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The Affordable Care Act: What it means for artists of all disciplines


The national health care reform law known as the Affordable Care Act, has several nicknames such as the ACA and ObamaCare. The law used Massachusetts’ landmark 2006 health care reform law as one of its key templates*. This is a three part blog post focusing on the ACA. The first two parts share important information and web links about the ACA as it pertains to individuals and families. The focus of the third part is to highlight how important it is for artists of all disciplines to become involved in health care reform policy. Artists of all disciplines are a population that has one of the highest rates of uninisurance in our country and it is usually double the rate of the general public. Our population needs to be highly visible on all levels of the health care policy  arena (local, state, federal) to best ensure that reform is successful for our community.

One key tip we can not stress enough for artists of all disciplines: Find a local community health center and/or a health care advocacy organization in your region that can act as a resource and hopefully as an advocate for you. This is especially important if you are self employed, have some self employment income, are a seasonal employee, have multiple employers, have fluctuating, and/or hard to determine income. Do not go it alone when enrolling or navigating the new ACA programs. Trust us on this. Two on-line resources to help you find a community health center:

*’s home state is Massachusetts.


Part One- Some of the Key Basics on the ACA 

1) Pre-Existing Conditions and Dropped Coverage

The artist community has sadly experienced the horrible results of wide scale discrimination from health insurance companies. In the 80’s and early 90’s, during the first wave of the HIV/AIDS crisis in our country, those living with the disease often lost their coverage either from losing their jobs that provided their insurance* or losing their jobs from being too sick to work. The insurance companies also dropped coverage when it  learned of someone’s “condition” or if  they  decided the person belonged to what was deemed a high risk group more susceptible to contracting the disease. If the person was able to obtain health coverage from another job or tried to obtain it on their own, they were usually denied coverage due to their “pre-existing condition” and/or if they were thought to belong to a “high risk group” .

Massachusetts in the early 1990’s banned insurance companies from using pre-existing conditions as a means to deny coverage. It also banned them from dropping coverage when ever they felt like it. The ACA has followed suit. By 2014, everyone in this country will have these same needed protections.

* At that time people living with HIV/AIDS had no legal protection from discrimination.

2) No life time caps, annual limits on coverage, waivers or riders.

The ACA will also bar insurance companies from placing life time caps or annual limits on coverage. In other words, they won’t be able to deny financial coverage to any one who needs expensive health care such as cancer treatment, heart transplants and other types of care that have a high price tag.

Please be aware that the only exceptions from this rule are the health insurance plans offered to students by colleges/universities or if the employer’s plan is self-insured. In those cases, check with your insurance company, not the employer/college/university for clarification.

* Many large companies, unions, or other large organizations often self insure their health plans- ask your HR department if your employer sponsored health plan is self insured.

3) Children can stay on their parent’s health insurance plan up to the age of 26.

Parents should check to see if their employer sponsored health plan offers this as an option. Again it is best to check with the insurer. Self-insured health plans are exempt from this requirement. Some self-insured plans, however, may decide to offer this benefit to remain competitive in the “job market”.

4) Insurance companies won’t be able to charge women more than men for their health plans. 

No more discrimination based on gender. Enough said.

5) The ACA now requires insurers to be transparent with how they spend the money they collect from premiums. 

Starting in 2011 insurers are now required by the ACA “to spend between 80 and 85 percent of every premium dollar they collect on medical care (as opposed to administration, advertising, etc.). If insurers exceed this threshold, they have to rebate the excess to their customers.” This is called the Minimum Medical Loss Ratio for Insurers.

Above quote from:

 6) Many individual and families will qualify for health care tax subsidies. 

Many individual and families who are earning 400 percent or less of the Federal Poverty Line (FPL) will more than likely qualify for tax subsidies to help them pay for their health insurance. The tax subsidies are on a sliding scale and are based on income levels. Basically premiums are capped for those 400 or less of the FPL. Worth noting from the Kaiser Family Foundation online calculator: “All individuals and families with incomes at or below 133% of the federal poverty level will be eligible for Medicaid. Others with higher incomes may also be eligible, depending on rules that vary by state.” 

These subsidies are only for those who are purchasing coverage on their own through the Exchange and there are certain exceptions (The Exchange and the exceptions will be discussed in Part Two). For example, those who have income between 300 to 400 percent of FPL, who have or are offered employer sponsored insurance health insurance that requires a premium payment that is 9.5 percent or less of their annual gross pay/income, will not be eligible for the subsidy. From the Kaiser Family Foundation online calculator: “In general, full-time employees with employer coverage available that meets specified requirements are not eligible for premium subsidies, unless the employee would have to pay more than 9.5% of income for the employer-provided coverage.”

The Kaiser Family Foundation has created an online calculator to show the subsidies and the caps for different families and individuals at different income levels:

 7) Some links worth reading:

 11 Facts about the Affordable Care Act

FACT SHEET: The Affordable Care Act: Secure Health Coverage for the Middle Class

Kaiser Family Foundation Summary of the New Health Reform Law

Kaiser Family Foundation Health Care Reform Source website:


Next Up- Part Two- The Exchanges, The Individual Mandate, and Income Eligibility

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