Chamber Insurance

Did you know that Chamber membership qualifies you for special rates on group (ConnectiCare) and individual (Chamber One) insurance plans?  Click on the insurance logos below for a free quote!

                  

 

Chamber Member Insurance
Benefits Value Proposition

Alliance -   

Chamber Insurance Trust (CIT), founded in 1992, is the administrator for the voluntary alliance of all participating Chambers of Commerce across Connecticut and Western Massachusetts. The alliance was created to bring chamber members an affordable range of insurance options designed with the input from local Chamber of Commerce executives.

Whether the chamber member insurance needs vary from individual to small group coverage, dental, long-term care, or Medicare Advantage, CIT and your local chamber can provide coverage offerings as well as help to reduce insurance premiums.

CIT has created the Integrated Benefit Solution™ to stabilize the cost of medical coverage. By strategically incorporating high deductible health plan offerings with tax savings elements and cost-sharing options, this concept approach to benefit design provides the participant with quality benefits and savings that drive consistent growth and prosperity for your business.

Access

The Chamber members have access to a complete portfolio of benefits (Chamber exclusive plans available)

Health- ConnectiCare- Chamber exclusive plan designs are available. Health Insurance purchased from ConnectiCare through the Chamber provides marketing revenue to the Chamber.

Individual Coverage- Aetna Chamber One- provides chamber members expanded access to affordable healthcare in Connecticut.  These individual plans cover a number of options from PPO to HSA compatible plans, high-deductible or low deductible plans and plans with or without co-pays.

Medicare Advantage - Health Net- Chamber exclusive group Medicare plan design for those Medicare eligible.

Retirement Plans UNIFI- 401k plan available whether you are a group of 1 to 100- low-cost admin. fees, fiduciary safe guard, morning star rated funds

Dental- Aetna – Chamber Exclusive plan down to 1 life

Health Reimbursement Arrangements-TASC- Employer controlled funding arrangement with tax advantages

Health Savings Accounts- Tax-exempt, interest-earning trust or custodial accounts that help you pay for qualified medical expenses with pre-tax dollars; no set up fees or minimum balance

Cafeteria Plans (Flexible Spending Accounts)-TASC

Life- Genworth & AIG

Long-term Care MetLife Chamber members qualify for discounts of 5% if purchased through the CIT program.

Disability


Education

Chambers and CIT provide training and seminar services to the agent and business community on the Integrated Benefit Solution. CIT has a an extensive, loyal agent network and has trained over 500 Chamber member insurance agents on an Integrated Benefit Solution that combines the use of high deductible health plans with Health Reimbursement Arrangements, Health Savings accounts and additional advantageous tax savings alternatives and cost-sharing option. This integrated approach has positioned CIT as a leader in controlling the rising cost of healthcare.

Wellness Program

The Chamber’s Wellness Program- The vision is to make Chamber members healthier by empowering members to take control of their health and lifestyle. The Chamber Health and Wellness initiative emphasizes illness prevention, health promotion and community-support driven events. Through an integration of strategic partners, with your local Chamber, Chamber Insurance Trust, and your local wellness providers, the Chamber will offer worksite wellness seminars, discounted gym and weight-loss vendor memberships, walking teams and road races, as well as tools and wellness support for both the employee and the employer.

Connecticut Public Act 08-147 Redefinesd Dependents
- Scope of the law includes individual and group policies. Does not apply to self insured plans.
- Effective Date on Individual Policies: policies inssued, delivered or renewed after January 1, 2009
Group Policies: January 1, 2009
- Act redefines the term "dependent" in a group helath plan as an unmarried child under the age of 26.
- Impacts COBRA
- Termination of Coverage - when individual ceases to be a resident of State of CT except full time students attending accredited out-of-state institution, except dependent children under age 19; Marriage, Becomes covered under another group health plan through dependent's own employment, Attaining age 26.

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