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

Capital District Physicians Health Plan

CDPHP is a new company now offering group health plans in Clinton, Essex, Franklin, and Hamilton counties.

CDPHP offers creative plan designs:

 “copay first” offers a high deductible plan that allows for an initial phase where employees only pay copays. 

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

Bronze 425 Copay First Plan

  • Deductible: $3000 first phase/$6000 second phase
  • Copays: $30/$50
  • Prescriptions: $10/$30/$50
  • Rates - monthly:
    Single: $525.86
    Couple: $1051.72
    Employee/Child: $893.96
    Family: $1498.70

Silver 328 – HD EPO/EPC (Enhanced Primary Care)

  • Deductible: $2500 Individual/$5000 Family
  • Copays: $0 EPC/$40 non EPC not subject to deductible
  • Prescriptions: $10/$50/50% subject to deductible
  • All other coverage subject to deductible
  • Rates - monthly:
    Single: $630.50
    Couple: $1261.01
    Employee/Child: $1071.86
    Family: $1796.94

Gold 223 – Smart Deductible Plan  

  • Deductible: $1000 Individual/$2000 Family
  • Copays: $25 primary care, not subject to deductible
  • Prescriptions: $10 generic, not subject to deductible /$50/$80 deductible applies
  • All other coverage subject to deductible
  • Rates - monthly:
    Single: $643.75
    Couple: $1287.50
    Employee/Child: $1094.38
    Family: $1834.69

Platinum 130 – EPO Plan

  • Deductible: $0
  • Copays: $15/$25
  • Prescriptions: $4/$30/$60
  • Rates - monthly:
    Single: $914.59
    Couple: $1829.18
    Employee/Child: $1554.80
    Family: $2606.58

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