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 currently offers four (4) different carriers: Capital District Physicians' Health Plan [CDPHP], MVP,
Community Blue and Traditional Blue Shield Indemnity.
Part‐time faculty teaching at least twelve (12) contact hours may enroll only in CDPHP at 102% of full premium
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
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.
Plans and Rates for 2018
2018 Summary of Benefits for: