CDPHP – High Deductible PPO Click here for Benefit Schedule.

This policy is HSA (Health Savings Account) Qualified.  It has a $2,700 deductible for singles and $5,400 deductible for families and 10% co-insurance with a maximum out of pocket expense of $4,000 for singles and $8,000 for families for in-network coverage.  No prescription drug coverage.  Primary care provider and referrals are not needed.  Full time student coverage to age 25.

Local Health Savings Accounts available at:

NBT Bank, 62 Pioneer Street Cooperstown (607)547-9971 (ask for Donna or Peggy)

Key Bank, 103 Main Street Cooperstown (607)547-2551

CDPHP – AO FOX First EPO Click here for Benefit Schedule.

This policy has a $25 co-pay and a $240 inpatient deductible. Vision hardware rider of $75 frames & lenses/contact lenses.  Prescription benefit of $10 generic/50% co-insurance w/ $100 per member per Brand Name Rx max. Primary care provider is not needed. Referrals out of Fox network are needed.  Full time student coverage to age 19.

CDPHP – EPO $25 Transitional Click here for Benefit Schedule.

This policy has a $25 co-pay, a $500 inpatient deductible and 20% co-insurance. Prescription benefit of $4 generic/50% co-insurance. Primary care provider and referrals are not needed.  Full time student coverage to age 19.

MVP - EPO $25 Click here for Benefit Schedule.

This policy has an annual deductible of $1,000 per individual and $2,500 per family.  A $25 pcp co-pay and $40 specialist co-pay without paying the deductible. Inpatient coverage at 80% co-insurance after deductible.  Prescription benefit of $10/$30/$50 with $4000 annual maximum. Primary care provider and referrals are not needed.  Unmarried dependent coverage to age 23.

CDPHP – EPO $25 Transitional w/Dental Click here for Benefit Schedule.  Click here for Benefit Schedule Dental Rider.

This policy has a $25 co-pay, a $500 inpatient deductible and 20% co-insurance. Prescription benefit of $4 generic/50% co-insurance. Primary care provider and referrals are not needed.  Preventive dental benefits for children and adults. Full time student coverage to age 19.

Excellus - Blue Preferred PPO Click here for Benefit Schedule.

This policy has a $2,250 deductible for singles and $4,500 deductible for families and 30% co-insurance with a maximum out of pocket expense of $3,250 for singles and $7,500 for families.  It offers routine health care exams, immunizations, doctor visits, allergy testing, chiropractor and short-term therapies for a $20 co-pay without having to meet your deductible.  Primary care provider and referrals are not needed.  Full time student coverage to age 23.  No prescription plan and 75% group participation needed.

MVP - HMO Basix Click here for Benefit Schedule.

A $25 pcp co-pay and a specialist co-pay of $40 with a $500 inpatient deductible.  Prescription drug coverage for generic only at $10 co-pay.  Primary care provider and referrals are needed.  Unmarried dependent coverage to age 23.

CDPHP - HMO Click here for Benefit Schedule.

A pcp co-pay of $25 and specialist co-pay of $40 with a $500 inpatient deductible.  Prescription benefit is $4 generic and 50% brand name.  Primary care provider and referrals are needed.  Full time student coverage to age 25.

Excellus - Blue Healthy Choices Click here for Benefit Schedule.

This plan offers Lifestyle Benefits of an annual allowance per family toward gym membership, Lasik, teeth whitening, toddler gym and swim programs and drivers education.  The Fit & Healthy option offers a $300 Lifestyle Benefit allowance, a $20 pcp co-pay and separate co-pays for maternity.  The Healthy Family option offers $100 Lifestyle Benefit allowance, a $25 pcp co-pay, and maternity services are paid in full.  Both options offer a prescription benefit of $10/$30/$50 w/$0 generics for kids to age 19.  Primary care provider and referrals are not needed.  Full time student coverage to age 23.  75% Group participation needed.

Excellus - HMO Blue Click here for Benefit Schedule.

A pcp co-pay of $25 and specialist co-pay of $40 with a $500 inpatient deductible.  Prescription benefit is $10/$30/$50.  Primary care provider and referrals are needed.  Full time student coverage to age 23.