Clarence Chamber of Commerce 2014 HEALTH INSURANCE ENROLLMENT GUIDELINES
For Businesses with an Employer/Employee Relationship
(Additional guidelines apply for groups of one with no employees.)
Health Coverage currently offered through the Clarence Chamber of Commerce is Blue Cross/Blue Shield of WNY, Independent Health, Univera Healthcare and Dental Pay Plus.
· Businesses and/or their employees who work at least 20 hours per week (Blue Cross & Univera) or at least 17.5 hours per week (Independent Health) are eligible for coverage.
· Business members and their current employees can only obtain coverage during open enrollment effective January 1st. Applications for open enrollment must be received in the Chamber office by December 10th. There are some exceptions for current employees with qualifying events during the year. Enrollment during the year for new businesses must be received in the chamber office by the 10th of the month for coverage to be effective the following month.
· New employees of businesses must enroll/apply within 30 days from their date of hire or they must wait for open enrollment.
· Effective Dates: Coverage begins the first of the month; 30 days after receiving the application in the Chamber office.
· Each application must be accompanied by full payment for the quarter and:
1. Form NYS-45-ATT for the most recent quarter as proof of business ownership and employment. Carriers may require additional documentation. If the name of the employee enrolling in coverage does not yet appear on the NYS-45-ATT, proof of employment (pay stub) must be provided.
2. Non-refundable $25 application fee, payable to the Clarence Chamber of Commerce (for all new applicants) and a check for the full premium due are required with all new applications.
3. A $30 subscriber fee will be added to the quarterly premium per subscriber to cover the cost of providing benefits. Monthly billing is available on request with a $15 subscriber fee. Only one billing choice per business – either quarterly or monthly.
· Retirees, 65 years or older, are not eligible for enrollment as the subscriber in the Chamber’s health insurance programs, must go through Medicare.
*Coverage Qualifications subject to change.