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Eligibility Guidelines

ELIGIBLE COMPANIES  To be eligible for coverage a company must:      Be actively in business      Enroll 1-9 eligible employees (owners included)      Contribute 25% of the Individual or the Family premium      Be located in the FCHP service area      Be a member in good standing of NBT Inc. ELIGIBLE EMPLOYEES  An eligible employee is one who:      Works at least 20 hours per week for the employer      Was hired to work for a period not less than 5 months      Resides in the FCHP service area NEW EMPLOYEES      All future eligible employees can be enrolled within 30 days of hire or within         a time frame consistent with company new hire probation policy. WAIVER OF COVERAGE  Full Time employees can be excluded who are:      Covered by a spouse’s or parent’s health plan      Age 65 or over and covered by Medicare      Living outside the FCHP service area PARTICIPATION REQUIREMENTS  Groups of 1-5      100% of eligible employees must enroll  Groups of 6-9      At least 75% of eligible employees must enroll PLAN SELECTION      All employees must select the same plan EFFECTIVE DATES      All coverage will be effective on the 1st day of the month, contingent upon         the HMO’s enrollment requirements. Enrollment materials should be received         by the 25th of the preceding month.