RENSCO WEB PORTAL FOR BENEFITS

RENSSELAER COUNTY HEALTH INSURANCE COSTS: JANUARY 1, 2025

EMPLOYEES HIRED PRIOR TO 9/28/2006

Printer-friendly version of rate tables found here.

Full Monthly Premium Rates

Coverage	NYSHIP Empire Plan	CDPHP HMO	MVP HMO	Empire Blue Cross EPO
Single	$1,479.53	$1,182.59	$1,070.16	$2,605.19
Two Person	$3,367.80	$2,483.44	$2,461.37	$5,081.41
Family	$3,367.80	$3,074.74	$2,621.89	$7,555.57

*** Full-Time Employee Bi-Weekly Share of Premium Cost at 20% ***

Coverage	NYSHIP Empire Plan	CDPHP HMO	MVP HMO	Empire Blue Cross EPO
Single	$136.57	$109.16	$98.78	$240.48
Two Person	$310.87	$229.24	$227.20	$469.05
Family	$310.87	$283.82	$242.02	$697.44

Employee Annual Share of Premium Cost at 20%

Coverage	NYSHIP Empire Plan	CDPHP HMO	MVP HMO	Empire Blue Cross EPO
Single	$3,550.87	$2,838.22	$2,568.38	$6,252.46
Two Person	$8,082.72	$5,960.26	$5,907.29	$12,195.38
Family	$8,082.72	$7,379.38	$6,292.54	$18,133.37

Plan Benefit Highlights

Coverage	NYSHIP Empire Plan	CDPHP HMO	MVP HMO	Empire Blue Cross EPO
In Network
Doctor Co-Pay	$25.00	$25.00	$25.00	$25.00
Specialist Co-Pay	$25.00	$25.00	$40.00	$25.00
Drug Co-Pay	$5G/$30B/$60NF	$10G/$25B/$40NF	$10G/$30B/$50NF	$10G/$25B/$50NF
Inpatient Co-Pay	$0	$0	$500	$100
Out of Network
Deductible	$1,250.00	NA	NA	NA
Coinsurance	20%	NA	NA	NA
Inpatient Co-Pay	10%	$0	$500	$0

*The payroll deduction for family dental will be $36.99 for 2025. There is no payroll deduction for individual dental coverage.*

NOTE: The employee share listed above is for full-time employees. If you are not a full-time employee, the health insurance coverage will cost you more, depending upon the number of hours worked per week.

Plan information, including summaries of benefits and coverage (SBC) and links to health plan websites, can be found here.

**ANY PAYROLL DEDUCTIONS THAT ARE REQUIRED FOR ANY COVERAGE YOU ELECT WILL COME OUT OF YOUR PAYCHECK THE PAY-PERIOD BEFORE THE COVERAGE IS EFFECTIVE.

For various part-time employee costs - Click here.

For more information on one of the health plans listed above - Click here.

For more information on dental benefits -Click here.

For information on vision benefits -Click here.

Flexible Spending Account -Plan Information

For AFLAC information -Click here.

For information on Deferred Compensation - PDF download

For information on NY 529 college savings program - PDF download

Additional required notices:

Children's Health Insurance Program (CHIP) - PDF download

WOMEN's HEALTH and CANCER RIGHTS ACT - PDF download

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