ARCC Health Insurance FAQ's

Frequently Asked Questions and Answers

Do you offer domestic partner coverage?

Yes. Two of our three plans offer it, Blue Shield and CDPHP.

Can I pay my invoice monthly?

Yes. Monthly payments will be accepted if you set up a direct debit from your bank account. Any questions regarding billing can be directed to Deb Zeman at dzeman@adirondackchamber.org. Click here to download the ACH Authorization form to sign up for monthly payment.

I’ve been in business less than a year and have not filed any tax forms yet, can I still enroll?

Yes. A copy of your D/B/A or Articles of Incorporation is often sufficient proof of business. Please note that the final decision on whether or not you are eligible to enroll is ultimately made by the insurer you select. Please contact our office directly for further information as the required documentation is different amongst the different insurance carriers.

How do I terminate my coverage?

Coverage may be terminated at any time at either the beginning or end of a month. It is imperative that you act as soon as possible to terminate your coverage to avoid further charges. You may remove a family member or cancel your plan altogether. If you are enrolled in:

Guardian – send a written and signed note with the effective date.

Blue Shield  – send a written and signed note with the effective date.

CDPHP – complete the Enrollment/Change Form.

MVP – complete the Enrollment/Change Form.

Do I get refunded insurance premiums if I terminate coverage?

Yes. Generally speaking, insurance premiums will be refunded if you have paid in advance but cancel coverage prior to the quarterly period ending. This is subject to the insurance carriers refunding the Chamber of Commerce for any premiums we have paid on your behalf prior to the Chamber issuing a refund to you. While the cancellation may have been processed in a timely manner, refunds often take longer from the insurance carriers to catch up on the billing cycles and as they make sure no claims for benefits were processed after your requested termination date.

Can an employer obtain more than one health insurance plan?

Yes. If you are a group with 2 or more employees and you have employees who do not want to enroll in the same plan, you may enroll in more than one health insurance plan. This is one of the benefits to working with the ARCC. This is a decision for the employer to decide if it wants to offer more than one plan.