Employee Health Insurance

If you are employed in a qualifying position which includes health insurance as a benefit the following plan summaries and associated rates should provide sufficient information for decisions about appropriate coverage. If you decline the insurance coverage the College has a "waiver" or "opt‐out" payment of $50 per month which is paid out in December of each calendar year for the preceding January‐December period.

The College offers the following carriers: Capital District Physicians' Health Plan (CDPHP) and MVP.

Part‐time faculty teaching at least twelve (12) contact hours may enroll only in CDPHP at 102 percent of full premium cost.

Health Insurance premium deductions are taken a month in advance i.e. January deductions pay for February coverage, February deductions pay for March coverage, etc…therefore as you begin your coverage, your first payroll deduction may be larger than a normal bi‐weekly amount in order to get you on schedule with your payments.

The employee's share of Health Insurance premium costs are established through the collective bargaining process. If you have any questions on your deductions please contact the Office of Human Resources.

The following plan parameters are subject to change and any specific coverage questions should be directed to the Office of Human Resources or to our third party administrator, Capital Benefits Consulting. Prescription drug coverage is Creditable Coverage with respect to Medicare Part D for all plans.

Current employees and retirees can manage their health, dental and vision benefits in the Capital Benefits Portal.

• Patient Protection and Affordable Care Act, (PPACA) (PDF)
  better known as the Health Care Reform Law
• Health Insurance Marketplace Coverage
• CDPHP Co-Pay Reimbursement Form (PDF)

Plans and Rates for 2024

• Classified Staff (PDF)
  (Includes NIEU and UPSEU Bargaining Units)
• Department Chairs (PDF)
• EOC Alliance (PDF)
  (Including Faculty and Counselors)
• Faculty (PDF)
• Non Teaching Professionals (PDF)
  (For Those Included in the Bargaining Unit or Excluded)

Summary of Benefits for:

• Capital District Physicians' Health Plan HMO (PDF)
• MVP Health Care HMO (PDF)
• The Empire Plan: NYS Health Insurance Program (NYSHIP) (PDF)
  • NYSHIP At a Glance (PDF)
  • NYSHIP Preventive Care Coverage Guide (PDF)
  • NYSHIP Advanced Flexible Formulary Preferred Drug List (PDF)
  • NYSHIP Out-of-Network Reimbursement Disclosures (PDF)