Open enrollment is the time to enroll eligible employees who are not currently part of your group plan or to make changes from your current plan to a new plan.  Open enrollment changes become effective January 1, 2012 therefore, now is the time to review your current plan and make necessary changes.

The turmoil in the health care industry that started last year due to Obamacare continues as carriers and State Departments of Insurance are still trying to comply while balancing their bottom lines.  Some carriers are pre-emptively beginning to implement components of it in their Underwriting Guidelines in 2012 even though it won’t be mandatory until 2014.

Despite underwriting constraints, limitations and perhaps changes in how you will obtain health insurance that will come with the new health care laws, USFSB has a solution for you.  Through an enhanced relationship with one of its carriers, Capital District Physician Health Plan (CDPHP), USFSB is offering a wide range of health insurance plans with competitive prices to our members within 26 counties in New York State through CDPHP.   In addition to these CDPHP plans, we continue to offer quality plans with many other carriers.

As you begin to look for new options, please search for plans by going to where you will find all of the information you will need to facilitate a change.

Click on the Small Business Insurance Clearinghouse link and enter your zip code to view the plans available to you.  Select a plan and then to view and print a summary of benefits or application click on View Details or Fill out Application.

As always, we are here to help you!