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 4th Quarter: October through December 2022

Bronze 424 HD EPO

  • Deductible: $6100 Ind/$12200 Family
  • Copays: $40/$60 subject to deductible
  • Prescriptions: $10/$50/$80 subject to deductible
  • Rates - monthly:
    Single: $614.89
    Couple: $1229.78
    Employee/Child(ren): $1045.34
    Family: $1752.43

Silver 425 – Co-Pay First Plan

  • Deductible: $3000 Individual/$6000 Family
  • Copays: $30/$50
  • Prescriptions: $10/$30/$50
  • Rates - monthly:
    Single: $703.59
    Couple: $1407.19
    Employee/Child(ren): $1196.11
    Family: $2005.24

Gold 225 – HD EPO

  • Deductible: $1500 Individual/$3000 Family
  • Copays: $20/$20
  • Prescriptions: $10/$30/$50
  • Rates - monthly:
    Single: $839.80
    Couple: $1679.61
    Employee/Child(ren): $1427.66
    Family: $2393.44

Platinum 130 – EPO Plan

  • Deductible: $0
  • Copays: $15/$35
  • Prescriptions: $4/$30/$60
  • Rates - monthly:
    Single: $1005.36
    Couple: $2010.71
    Employee/Child: $1709.11
    Family: $2865.27

Contact Lisa for more information:

Please call or email the chamber representatives, Lisa Bedard Dupee or Stacey Bushey for answers to your questions, to learn more or to sign up.