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- Independent Health will eliminate Encompass Essentials & Passport Select. FlexFit will be modified.
- Univera Healthcare will eliminate Solutions B. Simply Univera will be modified.
- Community Blue will replace HMO 104 Plus and POS 150D with two new plans. (Businesses currently enrolled in HMO 104 Plus and POS 150D will have the option to keep them, but both plans will be modified.)
Since permission for a special open enrollment has been denied, subscribers would be unable to change carriers until our regular open enrollment on April 1, 2009 To avoid a break in coverage, many subscribers would have to enroll in a plan that they may not want.
In an effort to address this issue, your Chamber has changed Open Enrollment from April 1 to January 1, 2009. This change makes it possible for you to select any of the plans being offered when the premium and benefit changes occur in your current plan(s).
To help you make an informed decision about your health insurance, We have invited representatives from Community Blue, Independent Health, Univera Healthcare, Dental Pay Plus, and our Chamber agent from C.H.I.P.S. to outline their plans and answer your questions. We urge all business members of the Chamber, as well as their employees, to attend this informative meeting.
This will be your ONLY opportunity to change your health insurance for 2009. New applications will be required for those whose plans have been eliminated.
Applications must be received by the Chamber office
no later than December 15, 2008 to be effective January 1, 2009.
If you have any questions, please call the Chamber office at 681-9755.
LANCASTER AREA CHAMBER OF COMMERCE
GROUP INSURANCE PROGRAM HIGHLIGHTS
MEMBERSHIP CRITERIA
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To participate in any of the group insurance plans offered, the applicant:
- Must be a business member in good standing with the Lancaster Area Chamber of Commerce.
- Must be employed by member company and working a minimum of 20 hours per week.
- Must submit copy of most current NYS-45 (Quarterly Withholding) showing at least 2 employees.
- Member business with 2 or more employees must enroll within 30 days of becoming a Chamber member. Coverage is effective the first of the month following 30 days of membership or employment.
- Sole Proprietors must be Chamber members for 60 days prior to enrolling in the insurance programs and must submit prior year’s Schedule C .
- Applications, payments and proof of eligibility must be received by Fringe Benefit Analysts 45 days prior to the coverage effective date. New employees of an existing member business must enroll within 30 days of the date of hire. Those who choose not to enroll when first eligible cannot apply for coverage until the open enrollment period, effective for coverage January 1st of each year.
PROGRAM FEES and PROCEDURES
- $15.00 Enrollment fee for each new subscriber, due upon submission of application.
- $15.00 Quarterly billing fee for each subscriber (not prorated for mid-quarter enrollments).
- $4.00 Fee for subscribers electing to pay monthly (in addition to billing fee stated above).
- $50.00 Late Fee for payments not postmarked by due date.
Absolutely no reinstatements are allowed. If your coverage is cancelled for non-payment, or other reasons,
you can apply for coverage during open enrollment.
- Premiums for health insurance are billed quarterly or monthly, due on the 15th.
- Due dates for remittance are indicated on all invoices.
Administered By:
25 Northpointe Parkway, Suite F
Amherst, New York 14228
(716) 564-2747, x7 |
