Health Insurance Program

  

Eligibility: 
     It is required that the applicant own a small business or be employed by a small business. 
     The business must be a member of the Chamber of Commerce (for 60 days prior to enrollment if interested in BlueCross BlueShield). 
     The applicant must be employed at least 20 hours per week.

You may elect to have your coverage effective any time you have a qualifying event.
Current subcribers interested in transferring from another product may only do so during open enrollment (January).
Premiums are due the first day of each calendar quarter. You will receive an invoice.

Quarterly Rates:

BlueCross BlueShield of Western New York: 

            HMO 206    PDF Benefit Summary for HMO 206 (pages 1 and 2 only, Drug Coverage, $7.00 co-pay for Generic Only)
                           Single:  $1,100.91       Family: $3,053.94   

            POS 7100      PDF Benefit Summary for POS 7100 (pages 1 and 2 only, Annual Deductible $1,500/$3,000)
                            Single:  $578.07        Family:  $1,601.25

Univera: 

                                Simply Univera:  PDF  Benefit Summary for POS 7100

Two+ Employees (including the owner): 

                                                Single:  $1,028.28              Family $2,668.56

Sole Proprietors:

                Single:  $1,189.41               Family $3,086.34

The Chamber charges a $9.00/per quarter administration fee not included above. 


The BlueCross BlueShield rates may change during 2009.  Expect they will follow their competitors and charge a higher rate for businesses that cannot verify that more than one person (Sole Proprietor) is employed.  This is often the case for spouses who are working for the business but not documented as a Partner or Employee.

If you think you would like to enroll, please call Amy at 585-356-5509  or send an email.

For comparison purposes only (products not available to new applicants): 

            HMO 102    PDF Benefit Summary for HMO 102 (pages 1 and 2 only, Drug Coverage, $7.00 co-pay for Generic Only)

            HMO 202    PDF Benefit Summary for HMO 202 (pages 3 and 4 only, Drug Coverage, $15/$50/50% co-pay)


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