Medical and Dental Insurance 
(You must be a Member of the Chamber of Commerce to be eligible for these plans and 75% of your employees must join the insurance plan)

EXCELLUS BC/BS  Traditional

1. 70 Day Blue Cross
2. Select Blue Shield
3. Inpatient/Outpatient
4. Hospice Program
5. Student Rider to Age 25
6. Chiropractic care
7.  Master Medical
8. Optional dental coverage 
9. Office visits are paid at 80/20 after $100 deductible is met annually
10. Prescription card - Three tier payment plan.
11. For Hospital Admissions, you or your doctor must notify BC & BS Before Admission to the hospital. If it is an emergency, you or your doctor must notify BC & BS as soon as possible. Failure to do this may result in a claim denial.

EXCELLUS BC/BS PPO

Co-Pay $15.00.  Deductible $250/single, $750/family, out of pocket maximum - $1,000 single, $3,000 family. In network co-insurance $20%, out of network co-insurance - 30%. Student to age 23 Rider. Durable medical equipment.  Routine vision exam with $60 toward glasses. Medicine - Tier 1,2, or 3 (20, 30, 50%)  Optional dental coverage.

EXCELLUS BC/BS HMO

Three plans to choose from:

HMO 10 - Student rider to age 23, dependent to age 19.  Office visit co-pay $10.  Routine Vision exam - 1 per year - $10 co pay.  Drug co-pay - $5-$15-$30.  Optional Dental Coverage.

HMO 15 - Student rider to age 19, dependent to age 19.  Co-Pays on inpatient and outpatient surgery.  Routine Vision exam - 1 per year $15 co-pay.  Drug co-pay - $5-$15-$30. ER -$50 co-pay, ambulance - $25 co-pay, Office visit co-pay $15.  Optional Dental Coverage.

HMO 20 - Student rider to age 19, dependent to age 19.  Co-pays on inpatient and outpatient surgery. Routine Vision Exam - 1 per year $20 co-pay.  Drug co-pay - $10-$25-$40.  Optional Dental Coverage.

For further information on any of the Chamber's Group Health Insurance Plans, please contact the office at 607-324-0310 and ask for Wanda or Margie.