Medical PlansThe Albany-Colonie Regional Chamber understands that health care can be a complicated and emotional decision, which is why we have and will continue to offer health insurance options for small businesses and sole proprietors (individuals). We understand the importance of selecting a health care benefits plan that is within your budget, while meeting your needs and the needs of your employees. We offer guidance and help with your decision-making process.
Please take advantage of the resources, support and education available to you through your Chamber. For questions related to our plans, enrollment, changes or to schedule an appointment, call 518-431-1443.
Medical Plans and Rates for 2014
Note: If an error has been made in the display of these rates, the Carrier's actual rates prevail.
Small Businesses (2 to 50 employees) - 2014 CDPHP Plan details and rates *
Sole Proprietors (INDIVIDUALS) - 2014 Plan details and rates
Vision and Dental Plans and Rates for 2014
We offer a vision plan through Empire as well as dental plans with Guardian (small business and individual) and Delta Dental (Small Businesses Only - CDPHP).Empire Blue View Vision Dental Plans and Rates 2014
Current Guardian Dental subscribers: The Affordable Care act requires plans to provide Pediatric dental for children under the age of 19. If you have either the employee/children or family plan, you will automatically be moved to the ACA-compliant plan for 2014.
Current American General subscribers: AIG has made the decision not to accept new enrollment in their American General Dental plans. This decision does not affect in-force policies for these products. They will continue to offer renewals, and you still have the ability to add new insureds to your existing plan.
CDPHP Pediatric Dental Waiver Form *Pediatric Dental rider will be automatically added to those subscribers that have children under the age of 19. Medical premium rates will be as noted on the 2014 CDPHP Plan details and rates document above, PLUS $16.18 per child enrolled (up to a maximum of 3). If you have a standalone dental plan, you can sign this waiver for the rider to be removed.
CDPHP Enrollment/Change Application
MVP Individual Enrollment/Change Application with BOR
MVP Small Business Application - submit with MVP BOR (Broker of Record letter)
MVP Broker of Record Letter
MVP Dental Waiver Form - Submit if you have children under 19 and separate dental coverage
Empire Blue Cross - Individual Enrollment Application & Broker of Record letter
Health Republic - Individual Enrollment Application & Broker of Record letter
The Chamber holds an open enrollment period every November for an effective date of January 1.
All new small business or sole proprietor enrollment applications must include either an NYS45 payroll document, a Schedule C, or a W4 issued to a new hire proving employment by the business.
Please call 518-431-1443 with questions related to plans or enrollment.
Billing and Payment
Premiums for health insurance are invoiced on a monthly basis through our subsidiary, Business Services Corporation. Bills are mailed mid-month covering the following month, with payment due on the first of the month. (i.e., February premium invoice is mailed mid-January and is due February 1.) All payments are mailed to Business Services Corporation, PO Box 10145, Albany, NY 12201. Payments not received in a timely fashion incur a late fee of $25.
For billing questions or to obtain a copy of your invoice, please call 518-431-1419, press 1 and 2 when prompted.
Important Links for CDPHP InformationMember Links Home Page - Quick Links Find-A-Doc - Find a provider in your area; see if your physician accepts your plan. RX Corner - Drug benefit information. Member Resources - Knowledge is key to healthy living - free access to resources, from forms to information.
Member Log-In - Get 24x7 secure access to your account with CDPHP.
If you are 65 or older and have or are considering Medicare coverage, you may want to view Medicare & You from the U.S. Department of Health and Human Services. Questions regarding Medicare enrollment or coverage should be directed to 1-800-MEDICARE. (1- 800-633-4227).
The Chamber offers a group Medicare Advantage (Part C) PPO Plan from CDPHP. Please click the link below to download information on this plan. To qualify for enrollment in our Medicare Advantage plan, you must already have Medicare Part A and B, and be considered a Retiree. For questions related to the Medicare Advantage plan we offer, contact Debbie Collett at (518) 431-1433. Note: Sole Proprietors or Individuals are not eligible for the Medicare group product. If you are a Sole Proprietor or an Individual interested in Medicare Advantage, please contact CDPHP Medicare Sales at 518-641-3400.
MEDICARE ADVANTAGE PPO PLAN - details and rates