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Health Insurance – benefits for our members
Few companies realize just how expensive absence in the workforce due to illness can be: temporary staffing may need to be arranged and accounted for; stress and extra responsibilities can take their toll on morale as staff take on additional workloads; productivity levels may suffer… it all adds up to on average, a hefty $1088 per employee per year.*

Health coverage could help safeguard your people and your profitability. As a valued employee benefit it can help to motivate and retain existing staff and also provide an extra incentive when you’re recruiting. That’s why The Chamber of Schenectady County helps your company find the right plan and administer the programs to save you even more money.

  • Group Health Insurance Programs

Buy your health insurance through The Chamber of Schenectady County at discounted group rates and let the Chamber staff administer the plan for your business, saving you money.

 – Blue Shield of Northeastern New York

– CDPHP – Capital District Physicians’ Health Plan

– GHI HMO Select

– MVP Health Care




Group Health Plans

Blue Shield of Northeastern New York             http://www.bsneny.com/

MVP Health Care                                           http://www.mvphealthcare.com/

Guardian                                                      http://www.glic.com/

CDPHP                                                         http://www.cdphp.com/

GHI HMO                                                      http://www.ghihmo.com/

  • Dental Insurance

Dental Insurance is offered through the following groups:
– Blue Shield Voluntary Dental
– American General Dental
– Guardian Dental

  • Guaranteed Issue Group Life Insurance

Guaranteed Issue Group Life is offered through the following groups:
– First Transamerica Life Insurance Company


  • Group Disability Insurance

The Chamber of Schenectady County in cooperation with the State of New York and the HMS Agency have provided the current disability rates in New York State below. Please check back frequently as these rates are subject to change.

  • Available to all active Schenectady Chamber Members:

    New York State Disability Rates:

    Male – $2.75

    Female – $6.05


    If you currently participate in the Chamber Dental Plan through The Guardian, you will save an additional 13% and receive the rates below:

    Male – $2.40

    Female – $5.25

    Sole Proprietors or partners participating in this disability plan will pay $7.20 per month. Please note, you MUST have at least one employee. 


    For more information please contact the

    HMS Agency, Inc.

    950 New Loudon Road

    Latham, NY 12110

    (518) 690-0360 or toll free 888-452-9383

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306 State St., Schenectady, NY 12305 • Phone: 518.372.5656 • 800.962.8007 • Fax: 518.370.3217 • Email
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