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Health Insurance & Prescription Drug

Civil Service/Employee Benefits Division

This will take you to an external website for the New York State Department of Civil Service/Employee Benefits Division which includes comprehensive information about the health insurance/prescription/vision & dental available to employees of Binghamton University.

Empire Plan participating providers

This will take you to an external website for the New York State Health Insurance Program with information for Empire Plan/United Healthcare enrollees

Pre-Tax Contribution Program

Current Health Insurance Rates:

Qualifying Events

Option Transfer Period

The annual option transfer period is the time in which you can make certain limited changes to your NYSHIP health insurance options. Any changes that are made during this period will be effective with the following calendar year.

The types of changes that are allowed during this option transfer period are:

No action is required to keep your current health insurance option.

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Pre-Tax Contribution Program

Under the pre-tax contribution program (PTCP), your share of the health insurance premium may be deducted from your wages before taxes are withheld, which may lower your taxes.

You are automatically enrolled in PTCP when you became eligible for health insurance, unless you declined. Your paycheck shows whether or not you are enrolled in PTCP.

Under the IRS rules, if you are enrolled in PTCP, you may change your health insurance deduction during the tax year only with timely notification (within 30 days) of a designated qualifying event.

You may change your pre-tax selection annually during the Option Transfer Period.

No action is required to keep your current pre-tax status.

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Qualifying Events (for health Insurance changes)

Young Adult Option (YAO)

New York State law (Chapter 240 of the Laws of 2009) allows a young adult child up to age 30 to purchase coverage through his/her parent's group health insurance policy.

This notice provides information about NYSHIP's compliance with the law, since your health insurance coverage is provided through NYSHIP's Empire Plan options. Under the law, the young adult's coverage is subject to all terms of the group policy; however, premiums are to be paid by the young adult or his/her parent, not the employer. The premium is the full cost of individual coverage.

For more information, including enrollment, frequently asked questions/answers and rates, visit

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Last Updated: 5/19/14