Coverage is available through BlueCross BlueShield of WNY, Independent Health and Univera Healthcare.

	Only business members and/or their employees who work at least 20 hours per week are eligible for coverage. If it is found that an ineligible employee is allowed to join, the entire group may be canceled.
	Current Chamber business members and their current employees can only obtain coverage effective January 1st, our open enrollment.  (Some exceptions exist.)  Applications and premium payments for open enrollment must be received in the Chamber office by December 14th
	New employees may enroll throughout the year as long as they apply within 30 days from their date of hire.
	New Chamber business members and their current employees may enroll throughout the year as long as they apply within 60 days of joining the Chamber of Commerce.
	Sole Proprietors must be a member of the Chamber 60 days prior to the effective date if the insurance policy.
	Applications received by the 10th of the month will be effective the first day of the following month.  Applications received after the 10th of the month become effective the first day of the month following 30 days of receipt.
	Retirees are not eligible for new enrollment in the Chamber’s health insurance program.
	Married couples must apply for family coverage.  (Exception:  two single policies may be issued if each spouse is employed by a Chamber-member business at least 20 hours per week.)

A non-refundable $25 application fee, payable to the Cheektowaga Chamber of Commerce, must accompany application.  In addition, copies of the appropriate documentation (see chart below) must be submitted with application.  Alternate documents may be acceptable in certain situations.  

• If the employee enrolling does not yet appear on the NYS-45-ATT, proof of employment (pay stub) must be provided.

• IRS Schedule C OR IRS Schedule E OR IRS Schedule K-1 OR Copy of Corporate Tax Return 1120C (income and expense page only)

If the new business is in its first year of operation

• Copy of a cancelled Business Check OR copy of a Business Bank Statement OR Certificate of Doing Business OR appropriate tax documents  

• IRS Schedule C OR IRS Schedule K-1 AND

• Copy of Doing Business As (DBA) certificate OR Copy of NYS Dept. of Taxation & Finance Certificate of Authority AND

• Current Partnership Agreement if applicable

• DBA OR Partnership Certificate OR Certificate of Incorporation AND
• Copy of a Cancelled Business Check OR copy of a Business Bank Statement OR Certificate of Doing Business OR appropriate tax documents