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Spousal Surcharge on Health Insurance
Posted on 10/28/15 at 1:17 pm
Posted on 10/28/15 at 1:17 pm
So my employer is starting benefits enrollment for next year, and there is a new $20 weekly surcharge for a spouse when he/she could be covered by his/her own employer, but chooses not to. I know this has been happening elsewhere, so has anyone with a similar situation not disclosed your spouse has their own health insurance option? Is there any way my company can know my wife is employed and opting out of her company's health coverage? I have to check a yes or no box on our enrollment form, and this is clearly some bullshite fee.
7
Posted on 10/28/15 at 1:30 pm to EveryonesACoach
My employer started doing this as well. The surcharge is pretty steep too. Some of us have our wives covered on our policy in addition to their own policy, which in that case, the surcharge does not apply. It's only if your spouse declines coverage. I'm pretty sure they can easily find out if your wife is employed and has coverage.
Posted on 10/28/15 at 1:31 pm to EveryonesACoach
bullshite fee? Do you realize the cost the company is incurring to add a spouse? Be thankful it is only $20, and yes if you lie and check the wrong box,if the company finds out it could be grounds for termination or worse
Posted on 10/28/15 at 1:44 pm to EveryonesACoach
quote:
Is there any way my company can know my wife is employed and opting out of her company's health coverage? I have to check a yes or no box on our enrollment form, and this is clearly some bullshite fee.
Run up some bills and they WILL find out and refuse payment because of your fraud.
Posted on 10/28/15 at 1:55 pm to Tigerpaw123
Spousal premiums are more than double what my employee premium is, which is sky high to begin with and for pretty mediocre coverage. Family plan already costs nearly $10000 in premiums. I guess it's the price I pay for working for a publicly traded company.
Posted on 10/28/15 at 2:36 pm to EveryonesACoach
I think pretty much all insurances are starting the spousal surcharge.
Posted on 10/28/15 at 2:57 pm to EveryonesACoach
quote:
So my employer is starting benefits enrollment for next year, and there is a new $20 weekly surcharge for a spouse when he/she could be covered by his/her own employer, but chooses not to.
Mine charges $125 per month
Posted on 10/28/15 at 3:07 pm to EveryonesACoach
My wife and I split up our coverage for the first time this year. She took the kids under her and I went solo. After running the numbers the other day I have saved +/- 4k through the first 11 months of the coverage.
Posted on 10/28/15 at 3:37 pm to EveryonesACoach
Well you would be committing fraud which could be grounds for termination.
Posted on 10/28/15 at 3:38 pm to EveryonesACoach
quote:
Is there any way my company can know my wife is employed and opting out of her company's health coverage?
It wouldn't surprise me to learn that the insurance companies have created a shared database to check duplicate coverage. They have all of your family SSNs so it wouldn't be that difficult.
Posted on 10/28/15 at 3:51 pm to Layabout
quote:
It wouldn't surprise me to learn that the insurance companies have created a shared database to check duplicate coverage. They have all of your family SSNs so it wouldn't be that difficult.
i would think that is a HIPAA violation, and how would insurance companies know if you could be covered? Makes no sense.
My wife gets $8k if she declines her work coverage, that was a no brainer since to add her was like 2800 more.
Posted on 10/28/15 at 7:14 pm to EveryonesACoach
quote:
Spousal premiums are more than double what my employee premium is, which is sky high to begin with
Spousal premium is $~85/month and that is twice your premium? If so you are not talking about the premium you are talking about your portion and you are very lucky. The actual premium for a couple is going to be 700-1200/ month, instead of bitching why not say thanks to your employer?
Posted on 10/28/15 at 11:26 pm to Tigerpaw123
My company charges 300/mo for my wife. What's a nick kick in the balls is I'm going through benefits right now and have to turn something in by Friday. Wife hasn't gone through it yet so I can't do a comparison between the 2.
Posted on 10/29/15 at 7:03 am to Tigerpaw123
No, I pay roughly $800 for my health coverage each month. That comes out of my paycheck. 2/3 of that is to have my wife on the plan. The surcharge is now in addition to that. This is all for a not so great High Deductible plan, that still passes on 20% of costs to me even if I meet the deductible. I'll make sure I go thank my employer for this wonderful addition to our benefit package though, arse hat.
Update this morning however, this has been resolved through contacting HR. Because my wife's company does enrollment at a different time of the year, she is technically ineligible for her own employer coverage currently, so I can check "no" and not get hit with the spousal surcharge.
Update this morning however, this has been resolved through contacting HR. Because my wife's company does enrollment at a different time of the year, she is technically ineligible for her own employer coverage currently, so I can check "no" and not get hit with the spousal surcharge.
Posted on 10/29/15 at 12:12 pm to Tigahs2007
I'm bringing my wife onto my insurance, since after we became pregnant this year we found out that her employers insurance doesn't cover maternity. If my company has a similar policy, I would have no problem having her keep her work insurance and being covered on mine in addition. It would be cheaper than paying the surcharge.
Posted on 10/29/15 at 12:27 pm to EveryonesACoach
quote:
Update this morning however, this has been resolved through contacting HR. Because my wife's company does enrollment at a different time of the year, she is technically ineligible for her own employer coverage currently, so I can check "no" and not get hit with the spousal surcharge.
Explain this. She's technically not ineligible for her own employer coverage it just happens to fall on a different part of the year.
Posted on 10/29/15 at 12:53 pm to EveryonesACoach
quote:Holy moley
Family plan already costs nearly $10000 in premiums. I guess it's the price I pay for working for a publicly traded company.
My publicly traded company has family coverage at $160/mo. I'm sitting at $28/month for myself only
Posted on 10/29/15 at 1:02 pm to TigerTatorTots
quote:
My publicly traded company has family coverage at $160/mo. I'm sitting at $28/month for myself only
Mine is $103/month for family coverage. And they don't even give you an option for a spousal surcharge. If your spouse is offered insurance through their company, they're not eligible for coverage at all.
This post was edited on 10/29/15 at 1:23 pm
Posted on 10/29/15 at 1:34 pm to CHiPs25
quote:
Explain this.
My guess is that because she is currently covered on my plan, which didn't used to have a spousal surcharge, they're letting this fly? She techinically isn't eligible to enroll in an employee plan at the time our policy begins. I wouldn't try this on my own only to get screwed later, but I've got a copy of the email direct from HR saved to my hard drive and printed out in my desk
Posted on 10/29/15 at 1:38 pm to TigerTatorTots
quote:
Holy moley
Got that right. I don't know much about insurance, but maybe it has something to do with the corporation being self-insured? Either way, other companies in our industry offer MUCH better health care than that. It just isn't a good time to jump jobs for anyone right now.
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