Health Insurance
Everything you need know to enroll with the Amherst Chamber of Commerce

• Review your Options

Click Here for 2012 Health Insurance Plans**

Click Here for 2012 Dental Options**

**Please contact the Chamber for more information on customized plans and additional options available for companies with two or more eligible employees.

• Provide your Business Validation 

To be eligible to sign up for an insurance plan, you must bring a check for the premium as well as date of birth and social security number for all dependents.  In addition, the insurance carriers request validation of the enrolling business.

Sole Proprieters need:

• Business Certificate/DBA (can be obtained immediately at the Erie County Clerk's office).
• Schedule C or K-1

Partnerships need:

• Federal tax ID number or a copy of the partnership agreement
• Schedule K-1 or estimated K-1

Incorporated Businesses need:

• Federal tax ID number or Articles of Incorporation
• Copy of corporate tax return with income and expense pages only (1120C, 1120S or Schedule E)

Companies with two or more employees need:

• Most recent NYS-45
• New employees can submit a W-4

Independent Contractors need:

• Copy of 1099

• Know your Billing Information

• All health insurance premiums must be paid in full prior to the first day of coverage.  You will receive sufficient notice of all premiums due.  Your coverage will be automatically cancelled the first day of the quarter for non-payment of premium if your account is outstanding.  No reminder phone calls will be made.
• If you are cancelled, you have the ability to re-instate your policy one time within thirty (30) days of cancellation.  A $50 re-instatement fee will be charged along with a $25 late fee.  Re-instatement will be allowed once annually.  If your account is cancelled due to non-payment of premium more than once per calendar year, we are unable to reinstate your insurance.
• Using the table below, please review our annual health/dental insurance billing schedule.  If you do not receive an invoice within 10 days of a regularly scheduled billing, it is your obligation to notify the Chamber.  If the Chamber does not receive prior notification, we will assume that a bill was received and standard policies will apply.
• Any payments received for insurance after the due date will not be accepted unless a $25 late fee is enclosed.  (There will be no exceptions)

 

*Checks returned to the Chamber for insufficient funds are charged a $50 returned check fee.  Payment by money order or cashiers check will then be required to maintain health insurance*

 

 

Quarter	Coverage Period	Bills Mailed	Payment Due	Late Fee Assessed	Late Payment Deadline	Cancellation
1st Quarter	Jan-March	Nov. 1st	Dec 1st	Dec. 10th	Dec. 20th	Jan. 1st
2nd Quarter	April-June	Feb. 1st	March 1st	March 10th	March 20th	April 1st
3rd Quarter	July-Sept.	May 1st	June 1st	June 10th	June 20th	July 1st
4th Quarter	Oct.-Dec.	Aug. 1st	Sept. 1st	Sept. 10th	Sept. 20th	Oct. 1st