Health Insurance

Group Health Insurance

The Geneva Area Chamber of Commerce has formed a partnership with Anderson-VanHorne (AVH) and KAFL Benefit Resources. This collaboration was formed to provide health insurance and related HR services to our chamber members. Please call the Health Insurance Hotline at 315-787-0210 for any health insurance related inquiries. This phone number will send you to an auto-attendant. For billing inquiries please contact Laurie MaGuire. For all other inquiries please contact Jen Sally, Group Benefits Administrator.

Whether you are a sole proprietor or a business with up to 50 employees our insurance products can suit your business and employee needs.  We offer products from Excellus, one of the largest health care providers in the region.  Through Excellus, GACC offers a variety of health plans and dental plans for singles and families!

Healthy Rewards!

For Healthy Blue Members, Excellus is offering an exciting new way to earn cash back.  As a participant in HealthyRewards®, you can earn up to $500.00 individually, or $1000.00 including your spouse or domestic partner just for doing healthy stuff that fits into your day.  So, schedule regular check-ups, eat right and stay active.  Then get paid anytime throughout the year. Click the link for more information on HealthyRewards!

Glossary of Terms

EPO- Exclusive Provider Organization.  Simply put, these types of plans do not require you to have a primary care physician or to obtain a referral for a specialist appointment.  These plans also offer a nation wide network of health care providers.  You would be covered anywhere in an emergency situation.

HMO- Health Maintenance Organization.  These types of plans require that you have a primary care physician and you need a referral for some specialists.  The network is limited to this region, however you would be covered anywhere in an emergency situation. 

Sole Proprietor -  Is a business owner with no employees.  IRS and health insurance definitions are not the same.  Sole Proprietors can and are charged up to an additional 20% for health insurance by the insurance companies.

Small Employee Group - A small employee group is a group of 2 or more employees.  This does include a sole proprietor (IRS definition) with 1 or more employees.  Can be a partnership or a corporation also.

 PCP - Primary Care Physician.  Members of HMO's are required to have a PCP.