Medical Plans

Note: Rates are subject to change by carrier.

The medical plans that are currently offered by the Albany-Colonie Regional Chamber are provided below.

The Albany-Colonie Regional Chamber's Health Benefit Program provides an opportunity for member companies to purchase health benefits coverage. Currently this is made up of medical/prescription and dental plans offered through various health insurance carriers.

Corporate Rates & Information

Sole Proprietor Rates & Information

Medicare Rates & Information

If you are 65 or older and have or are considering Medicare coverage, you may want to view Medicare & You 2010 from the U.S. Department of Health and Human Services.

For members – with more than 50 employees – that are interested in health insurance coverage, call Kathy Giannantonio at (518) 431-1419.

Enrollment is effective the first day of the month following 30 days of membership (corporations); 60 days of membership (sole proprietors); or 30 days of employment (employees). If not enrolled during these periods – in most cases – you must wait until an open enrollment period.

Unless otherwise noted, employee coverage requires a minimum of 20 work hours per week; company tax and payroll documentation required.

Blue Shield of Northeastern New York

Traditional Blue PPO 909 Plan
Traditional Blue PPO 910 Plan
Community Blue HMO 206 Plus Plans

$25/$25, $10/$40 or $20/$30 Co-payment Plans; $500 Inpatient Co-payment per Confinement

Traditional Blue plans require 50% of eligible employees to be enrolled in a Blue Shield plan. Only one idemnity plan per company. Community Blue plans require 80% of eligible employees to reside in the Blue Shield service area. Available to companies with fewer than 50 employees. Minimum annual gross income of $15,000 for sole proprietors. Students covered to age 19; or through age 25 with proof of full-time student status.

Empire Blue Cross

Healthy NY HMO Plan with RX (Upstate only)
Healthy NY HMO Plan without RX (Upstate only)

Visit HealthyNY.com for eligibility requirements.

Available to companies with 50 or fewer employees.
Employer has not provided comprehensive health insurance to its employees during the past 12 months.
If there was group insurance coverage, employer must not have contributed more than $50 per employee per month toward the premium.
30% of employees must earn $33,000 or less annually.
Employer must contribute 50% of Healthy NY employee premium.
A questionnaire must be completed, certified and approved before a member company and its employees will be enrolled for benefits.
Individual/Sole Proprietor annual/monthly gross household income must fall within the limits established for this program.
Available to a sole proprietor with a completed and signed application submitted for approval with the following required documentation: NYS proof of residence, proof of income and proof of employment. Contact the administrator at (518) 431-1419 and select option 1 for a complete list of acceptable documentation.

Empire HMO Plan - Option 9 (Upstate only)

Available to active full-time employees working at least 20 hours per week and residing in Empire's operating area. Member company must have at least two active full-time employees and must have a bona fide New York address within Empire's operating area.

Empire Direct Pay HMO Plan (Upstate only)

Available to a sole proprietor with a completed and signed application submitted for approval with the following required documentation: NYS proof of residence, proof of income and proof of employment. Contact the administrator at (518) 431-1419 and select option 1 for a complete list of acceptable documentation.

Empire Total Blue with Health Savings Account (Upstate only)

Refer to plan information for requirements and further plan explanation. For companies with 2 to 50 employees. Sole proprietors are not eligible for this plan.

GHI Health Plan

GHI HMO Value 25 Plan - HIGH PLAN (with $240 inpatient co-payment and new prescription drug plan)
GHI HMO Value 25 Plan - LOW PLAN (with $500 inpatient co-payment and new prescription drug plan)
GHI High Deductible PPO Plan 1 with HSA Option
GHI High Deductible PPO Plan 2 with HSA Option
GHI High Deductible PPO Plan 3 with HSA Option
GHI High Deductible PPO Plan 4 with HSA Option
GHI High Deductible EPO Plan I with HSA Option
GHI High Deductible EPO Plan II with HSA Option

Available to companies with fewer than 50 employees. Students covered to age 19; or through age 25 with proof of full-time student status.

MVP Health Plan

MVP HMO 15 Plan
MVP COC HMO Plan 15
MVP COC HMO Plan 20
MVP COC HMO Plan 25/40
MVP COC POS Plan 15
MVP COC POS Plan 20
MVP COC POS Plan 25/40
MVP POS 15 Plan (with out-of-network benefits)
MVP High Deductible EPO Plans - Plans I & II
MVP High Deductible PPO Plans - Plans I & II

High Deductible Health Plans (HDHP) are available to corporations of two or more employees only. HDHPs have an option to include a health savings account. The High Deductible PPO Plans require a complete employee census with zip code to be submitted in order to receive a rate quote. Available to companies with fewer than 50 employees. Student covered to age 19; or through age 23 with proof of full-time student status.

Capital District Physicians Health Plan (CDPHP)

AvidCare 15 Plan (with $500 inpatient co-payment)
High Deductible PPO Plan B

Available to companies with fewer than 50 employees. Students covered to age 19; or through age 25 with proof of full-time student status. AvidCare 15 Plan is not available for July 1st open enrollment.

You may also download the Health Plan Information Request (PDF) and either fax or mail this form to the Albany Colonie Chamber.