North Country Service Corporation, the Health Insurance Division of the North Country Chamber of Commerce

Capital District Physicians Health Plan

CDPHP offers group health plans in Clinton, Essex, Franklin, and Hamilton counties.

CDPHP offers creative plan designs:

“Copay First” plans offer a high deductible plan that allows for an initial phase where employees only pay co-pays. 

“Smart Deductible” plans save by carving out certain services from the deductible such as primary care visits and generic drugs.

"Triple Zero" plan offers $0 deductible, $0 co-pay for enhanced primary care and telemedicine visits and $0 co-pay for tier 1 drugs.

The rates below cover 3rd Quarter: July - September 2021.

Bronze 424 HD EPO

  • Deductible: $6100 Indv/$12200 Family
  • Copays: $40/$60 subject to deductible
  • Prescriptions: $10/$50/$80 subject to deductible
  • Rates - monthly:
    Single: $530.41
    Couple: $1060.81
    Employee/Child: $901.69
    Family: $1511.66

Silver 425 – Co-Pay First Plan

  • Deductible: $3000 Individual/$6000 Family
  • Copays: $30/$50
  • Prescriptions: $10/$30/$50
  • Rates - monthly:
    Single: $622.76
    Couple: $1245.52
    Employee/Child: $1058.69
    Family: $1774.87

Gold 225 – Triple Zero HMO

  • Deductible: $1500 Individual/$3000 Family
  • Copays: $20/$20
  • Prescriptions: $10/$30/$50
  • Rates - monthly:
    Single: $770.58
    Couple: $1541.15
    Employee/Child: $1309.98
    Family: $2196.14

Platinum 130 – EPO Plan

  • Deductible: $0
  • Copays: $15/$35
  • Prescriptions: $4/$30/$60
  • Rates - monthly:
    Single: $927.97
    Couple: $1855.94
    Employee/Child: $1577.55
    Family: $2644.71

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