Rules and Conditions

Chambers of Commerce have a long and proud tradition of assisting small businesses with their health insurance needs. Our goal is to facilitate access to as many product choices as possible, and to back up that access with customer service and advocacy. For the program to work properly for all, however, it is important for customers to know, understand and follow some basic understandings and procedures, including the following:

• Insurance coverage is not in effect until you are notified in writing by the insurance carrier/company.
• Actual enrollment is subject to the underwriting guidelines and decision-making process of the insurance company and is entirely subject to their final approval. We cannot and do not guarantee approval or coverage, and it is agreed that the Chamber and/or Service Corp. are in no way responsible or liable for decisions and actions on the part of the insurance company.
• All rates and premiums are subject to approval by and the rules and regulations of the New York State Department of Insurance.
• It is understood that the provision of insurance related services by the Chamber and/or Service Corp. is a benefit of membership in the chamber or an approved affiliate organization.
• In cases where the payment of insurance premiums is administered through the Chamber and/or Service Corp., it is understood and agreed that the applicable administrative fees applied for that service are fully due and payable at the same time the premium is due and payable and that payment shall not be regarded as having been made in full as required in the absence of the timely payment of any such fees. In these cases, payment in full to the Chamber and/or Service Corp. must be received no later than the 15th of the month that the premium is due. It is understood the Chamber and/or Service Corp. are in no position to provide time extensions and that the late payment of any premium due will be cause for the immediate termination of the applicable insurance coverage by the insurance carrier without the necessity of any prior written notice of same.
• Any and all notices of termination of coverage by the subscriber, or of changes in coverage by the applicant/subscriber must be in writing. The subscriber remains fully liable for all premiums and fees until the receipt of such written notice. Termination dates and effective dates for any changes are entirely subject to the guidelines and policies of the insurance company and are not the responsibility of the Chamber and/or Service Corp.

Please let us know if you have any questions.