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

Excellus BlueCross BlueShield

Coverage available for most of Northern New York: Clinton, Essex, Franklin, Hamilton and St. Lawrence Counties.

Below are the available rates for both individuals and groups, please be sure to look carefully to make sure you are looking at the correct product.  If you have questions please email Lisa. This is just an example of products, tiers, and pricing available. For a current and personalized quote please contact Lisa directly.  

Individual Rates for 2019 (off-exchange)

Policies are available during open enrollment or with a qualifying event. Rates include pediatric dental and basic preventative care.

Bronze Select HDHP (High Deductible Health Plan)

Deductible: $5000 Individual / $10,000 Family
Co-Insurance: 50%
Prescriptions: $10/$40/$50 subject to deductible
Individual: $486.65
Subscriber/Spouse: $973.30
Family: $1386.95

Silver Standard

Deductible: $1700 Individual / $3400 Family
Co-Payments: $30/$50
Prescriptions: $10/$35/$70
Individual: $709.47
Subscriber/Spouse: $1418.94
Family: $2021.99

Gold Select

Deductible: $750 Individual / $1500 Family
Co-Payments: $25/$40
Prescriptions: $10/$35/$70
Individual: $799.08
Subscriber/Spouse: $1598.17
Family: $2277.39

Platinum Select

Deductible: $0
Co-Payments: $15/$25
Prescriptions: $10/$35/$70
Individual: $946.97
Subscriber/Spouse: $1893.94
Family: $2698.87

Group/Business Rates for 2019 (off-exchange)

Rates are good for businesses with 2-50 employees.  Deductibles listed are individual deductibles—higher deductibles apply to families (rates include pediatric dental).  Each option listed below can be adapted and should be considered an example. Have questions? call 518.563.1000 or email Lisa.

Simply Blue Plus Bronze 4

Deductible: $6550 Individual / $13,100 Family
Co-Insurance: 0% - covered at 100% once deductible is met
Prescriptions: 0% - covered at 100% once deductible is met
Individual: $461.97
Subscriber/Spouse: $923.94
Family: $1316.61

Simply Blue Plus Silver 4

Deductible: $2500 Individual / $5000 Family
Co-Insurance: 15% subject to deductible (preventative services are covered in full)
Prescriptions: $5/$35/$70 (Preventative drugs are not subject to deductible)
Individual: $607.44
Subscriber/Spouse: $1214.88
Family: $1731.20

Simply Blue Plus Standard Gold

Deductible: $600 Individual / $1200 Family
Co-Payments: $25/$40
Prescriptions: $10/$35/$70
Individual: $770.89
Subscriber/Spouse: $1541.78
Family: $2197.04

Gold Plans are available with a deductible between $750 - $2250 per individual but it is only applied to "SELECT" medical benefits - such as inpatient hospital benefits - everything else including prescriptions the deductible does not apply. Call for rates and more information about these plans.

Simply Blue Plus Platinum 2 PPO

Deductible: $0 In-Network Deductible
Co-Payments: $15/$25
Prescriptions: $5/$30/$50
Individual: $890.68
Subscriber/Spouse: $1781.36
Family: $2538.44

Example rates are monthly premiums. Group rates change quarterly but are locked in for 12 months once a plan is written.

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