Health Insurance
OneDigital is the Chamber's partner in health insurance and offers plans for sole proprietors or businesses with 1 or more employees.
OneDigital provides several resources to help educate businesses about health insurance and the best options for an individual business
Please call Dylan if you have any specific questions about plans or rates.
| Dylan Mather-Richardson
Associate Account Manager, OneDigital (518) 960-6220 ext. 26220 | Troy, NY |
Open Enrollment period is November 1, 2024 - December 15, 2024 for insurance period beginning January 1, 2025
Please note: This is the only time of year that you can sign up for health insurance or change plans unless you have a qualifying event (new baby, marriage, etc.)
If you are already a current health insurance client through the Chamber and OneDigital: You will be receiving a physical mailing that outlines your current plan and its current rate, with new rates if applicable. Even if you don’t have any changes to make, you will have to return the pieces indicated by mail or you can email Dylan Mather-Richardson, our representative, at dmatherrichardson@onedigital.com or by calling (518) 960-6220 ext. 26220.
Beacon Insurance Agency Group, Inc. is an independent insurance agency, with access to a vast pool of insurance companies to help you find insurance solutions tailored to your individual needs.
Amsterdam: (518) 842-7000
CDL Associates Insurance Agency offers a variety of insurance coverages to help you meet your business, personal, and employee benefit needs.
Northville, Johnstown, Gloversville: (518) 752-5061
CDPHP partners with employers to improve the health of their workforce. Fighting for affordability, 88 cents of every premium dollar is used to pay for your care with CDPHP.
Capital District: (518) 641-3000
MVP has a range of options for small and large groups, tailored to your business and budget, plus ancillary products like Dental, Vision, Spending accounts, and more.
Capital District: 1 (888) 687-6277
NFP is a leading insurance broker and consultant providing specialized property and casualty, benefits, wealth management, and retirement planning.
Rose & Kiernan, Albany: (518) 244-4344
OB1 Insurance focuses on helping people like you find Medicare plans that fit your situation. We also offer personal insurance for you and your family, as well as business insurance to protect your local business.
Mayfield: (518) 661-6300
Summary of Benefits As Required by Affordable Health Care Act
Dear Employer Group:
As part of the Affordable Care Act (ACA), the Department of Health and Human Services (HHS) has established standard templates that health insurers must use to summarize their benefits. These documents will make it easier for consumers to understand their benefits and compare coverage options.
What this means to you
The summary of benefits and coverage (SBC)* must be supplied to all of your employees who are eligible for your group insurance (not just those currently enrolled in our plan). Before distributing it, please take the opportunity to review the benefits described to be sure this is the benefit package you have agreed to offer. We recommend that you send it to employees along with any other key details necessary for finalizing their health coverage decision (e.g., employee contribution levels and information on their application process).
Why this is important
According to ACA regulations, the SBC must be issued to all eligible employees within seven business days of the employer’s written intent to purchase or renew health coverage. If the SBC is not provided by the plan or the group in a timely fashion, a fine of up to $1,000 per employee may be levied against both the employer and CDPHP. The New York State Department of Financial Services (NYSDFS) is also authorized to impose fines.