We've been getting lots of angry e-mails from various freelancers with coverage in the Freelancers Union, which I mainly ignored until I realized it would negatively affect me, too. The oft-reported insurance provider for the creative underclass is—wtf—starting their own insurance company called the Freelancers Insurance Company. And members have no choice but to join it! The takeaway: if my shrink isn't in the new "Freelancers Insurance Company" network's koverage, no amount of generic Klonopin will be able to kwell my krazy!First of all, let's cut the bullshit with the name and starry-eyed, fake labor-organizing rhetoric of their ads—Freelancers Union—and call it what it is: a healthcare company. Freelancers aren't going on strike or picketing as part of the Freelancers Union—they're joining it for the health plan, so that their teeth won't fall out of their head—which would limit future job opportunities. And guess what: just like other healthcare companies, the Freelancers "Union" mostly sucks! Past practice indicates that the Freelancers Union has trouble simply administering enrollments for their outside plans, making this change appear even more worrisome. In fact, they pulled almost the exact same stunt last year, complete with a cutely-worded memo: ""If you want to wake up with insurance on New Year's Day, you have to let us know which of the plans from Empire or PerfectHealth you want." (This was their way of announcing that coverage under their current health plan, HIP, would end December 31 of 2007 in favor of more expensive coverage under Empire Blue Cross Blue Shield.) So they've done it again this year—and of course, the new FIC plans are even more expensive, with reduced benefits. The expense increase isn't entirely their fault—but the bait-and-switch is. Why bother joining the Freelancers Union if they're going to pull the rug out from under you every year? One freelancer complained to us, "Problem is, the new plans offer considerably fewer benefits and significantly higher costs, but were presented as a fait accompli, complete with a bunch of solidarity rhetoric. With just a few weeks to decide, many FU members feel that their safety nets have been ripped out from under them." Members are blogging angrily here and here! Wrote another tipster, "Can a PPO really be called a PPO without OON coverage?" We have no idea, but you know people are getting desperate when they start writing things like, "I'm going to check out Mediabistro's insurance plans."

The Freelancers Union—whose ranks include non-staff writers and photographers—issued another sincere apology this afternoon via email for badly-communicated changes to member insurance earlier this month. "The past six weeks have been some of the toughest in Freelancers Union's history," it reads. Funny, union members were just saying the same thing about the last six weeks of their lives! Email after the jump.

Freelancers Union founder Sara Horowitz wants everyone to calm the hell down please! "Health insurance is so central to a sense of security and I realize that this is making people feel really vulnerable, but if they could just know one thing, it's that they really do have health insurance coverage," she told us when we spoke to her this afternoon about the hue and cry raised by the union's membership over a recent change in their benefits. Passing Damage Control 101 with fairly flying colors, Horowitz copped to mishandling how the details of the union's recent health plan switch were circulated to members. "People are clearly frustrated. We really truly apologize for some of these glitches," she said. "It's really our obligation and for a lot of people, we've failed."

The Freelancers Union is telling its irate members today that enrollment forms for new health plans were sent to their new provider on Monday and that all of its members should have ID numbers by tomorrow. Or maybe not! According to one freelancer, Empire's customer service says that FU "had sent over 'only a handful' of enrollment forms, and that it could be weeks before everything is processed." Another union member tells us just the opposite: Blue Cross will backdate applications so that FU enrollees can visit health practitioners today, should they need to. Confusion! Mixed messages! "Needless to say, the Union fucked up completely," said the same member. Did the Freelancers Union learn nothing after helping organize striking Viacom permalancers last month? Cost-cutting happens everywhere and always will. But the way bad news is delivered is, in large part, how people will remember you as an organization. Quit screwing it up!

What's this? Members of the Freelancers Union are up in arms over badly-executed changes to their health insurance benefits! Oh, the irony! On November 30, the union, which says it "represents the needs and concerns of America's growing independent workforce," sent a memo out to its 15,000 New York metropolitan-area members who receive health insurance through the organization, announcing that coverage under their current health plan, HIP, would end December 31 in favor of more expensive coverage under Empire Blue Cross Blue Shield. "If you want to wake up with insurance on New Year's Day, you have to let us know which of the plans from Empire or PerfectHealth you want," the announcement read. We're hearing that, despite having completed all the paperwork required for the union-wide switch, plenty of freelancers are indeed waking up this morning to an uninsured New Year! "FU dropped the ball on this," one union member complains on the chat section of the organization's site.

On the Freelancer's Union registration page, where it asks what best describes your work, "writer" is listed just above "yoga instructor." IT'S A SIGN!