Medical Coverage For Chamber Members!!   Quality Coverage | Competitive Rates General Information: Operated by Vermont's Chambers of Commerce for the beneift of their members. Honest rates determined by the claims experience of those covered by the Chamber program. No under-pricing to expand market share. No extra premium to increase profits. Just the premium needed to pay members' claim and manage the program. Making health care costs manageable for 5,000 of Vermont's working families. Available to Vermont's smallest businesses. (Maximum 50 employeess.) Rates: Deductible SINGLE TWO-Party FAMILY MEDICARE SUPPLEMENT 250 $365.29 $715.70 $957.99 $308.16 500 $323.90 $631.60 $845.85 $272.81 1,000 $257.16 $496.77 $664.30 $215.81 2,500 $230.46 $450.05 $636.26 $184.80 Contact: Denis, Ricker, & Brown 17 State Street Montpelier, VT 05602 (802) 229-0563 www.drbinsurance.com   John F. Fricke 606 VT Route 12A Northfield, VT 05663 (802) 485-6953 1-800-321-6953 Calendar Year Deductible Calendar Year Deductible apply to both in and out of network benefits. Out of Network the deductible is higher. The deductible is waived for in network preventive care. Out of Pocket Maximums If you receive care out of network, the out of pocket maximums are higher. The out of pocket maximums include all payments made between in and out of network. Coinsurance Prescription Drugs Prescription drugs are administered through RxPrime for CIGNA HealthCare. Coverage for the prescription drugs purchased at participation pharmacies are covered at the in network benefit level. Coverage for prescription drugs purchased out of network benefit level. Mail Order for maintenance drugs are provided through TelDrug for up to 90 days. Maintenance drugs drugs not available through the out of network plan. Pre admission Certification - Continued Stay Review (PAC/CSR) All hospitalization in or out of network must be approved by IntraCorp. It is the member's responsibility to obtain prior approval. A penalty will apply for failure to pre certify an hospital admission. Pre-existing Condition Limitations(PCL) Expenses for any condition for which a person receives treatment within 12 months prior to effective data will no be covered unless those expenses are incurred after a one year period during which a person is continuously insured for benefits. PCL credit will be applied upon evidence of continuous coverage under a similar plan for the previous nine months. Available through Membership in the Central Vermont Chamber of Commerce. Enrollment Guidelines: Employers need to complete Enrollment Agreement, including: Business information(address, contact person) Choosing probationary period for new employees or rehires Choosing one or two plans for the group All groups must complete a census report proving that 75% of eligible employees are participating (employers with 1-3 employees must have 100% participation. An enrollment / change form must be completed and signed by each employee, even if the employee is refusing coverage. Plan details and enrollment only through qualified agents, not Chamber staff.   Additional Area Information: | Area Events | Attractions | Arts | Recreation | Historic Sites | VT Products | Lodging | Dining | Shopping | © Copyright Central Vermont Chamber of Commerce © 2002, All rights reserved. CV chamber / P.O. Box 336 / Barre, Vermont 05641 (802)-229-4619 GO TO: [email protected]