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Insurance Plans | | VACE Chamber Insurance Plan
The BlueCross BlueShield of Vermont health insurance plan is one of the chamber’s most enduring benefits. The Northeast Kingdom Chamber of Commerce offers a competitively priced, flexible and comprehensive health insurance plan for its members with 50 or fewer full-time employees. The business must be located in Vermont to qualify. Compare the prices and check out the plan, and see if it saves you money!
- NO GATEKEEPER - You choose the doctor you want from BCBS's extensive statewide network in Vermont and New Hampshire.
- OUT-OF-POCKET MAXIMUM - There are per year out-of-pocket maximums on each plan.
- WIDESPREAD COVERAGE - Includes an unlimited lifetime maximum.
- PROVIDERS BILL BCBS DIRECTLY - No paperwork for you.
- PREVENTATIVE CARE IS EMPHASIZED - No charge for mammograms, routine preventative care & well-woman care. A co-pay for most outpatient treatments and prescriptions, and it includes a healthy baby program.
- OPTION TO SUIT YOUR NEEDS - There are now seven plans to choose from, with three Health Savings Account compatible plans possible.
- EMPLOYEE ASSISTANCE PLANS - 100 percent Employee Assistance Plan for 1-3 visits.
2013 MONTHLY RATES
Vermont Freedom Plans (PPO)
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SINGLE
PREMIUM
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TWO-PERSON
PREMIUM
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FAMILY
PREMIUM
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MEDICARE
SUPPLEMENT
PREMIUM
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$1,500/$3,000 deductible PPO*
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$604.00
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$1,180.00
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$1,581.00
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$557.00
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$2,500/$5,000 deductible PPO*
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$443.00
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$871.00
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$1,241.00
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$358.00
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$3,000/$6,000 deductible PPO*
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$449.00
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$878.00
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$1,252.00
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$362.00
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$4,000/$8,000 deductible PPO*
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$382.00
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$748.00
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$1,069.00
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$310.00
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Prescription Coverage for all PPO plans
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Included in price above
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Comprehensive Consumer Directed Health Plan (HSA Compatible)
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SINGLE
PREMIUM
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TWO-PERSON
PREMIUM
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FAMILY
PREMIUM
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MEDICARE
SUPPLEMENT
PREMIUM
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$2,000/$4,000 deductible CDHP (aggregate**)
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$336.00
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$657.00
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$935.00
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$260.00
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$2,450/$4,900 deductible CDHP (stacked***)
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$431.00
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$844.00
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$1,217.00
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$333.00
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$5,950/$11,900 deductible CDHP (stacked***)
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$321.00
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$629.00
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$888.00
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$248.00
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* Prescription Coverage for all PPO Plans: $3 generic, 50% brand, to an out-of-pocket maximum of $1,250/$2,500.
**Aggregate Deductible: Full individual or entire family deductible must be satisfied before benefits are paid.
***Stacked Deductible: Plans pay benefits for an individual after they’ve met the individual deductible.
Effective to 12/31/2013
Contact the chamber office for more details and a list of chamber insurance agents who sell the program. Check out www.vaceinsurance.com for a summary of each health plan.
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