Surcharges

Spousal Surcharge

If you choose to cover your legal spouse under our medical plans and your spouse has coverage available through his or her own employer, you will pay a spousal surcharge of $60 per pay period (24 paychecks annually). This surcharge is in addition to the Employee + Spouse or Family contribution rate and applies even if your spouse does not take his or her employer’s coverage. The surcharge does not apply if your spouse:

Is unemployed.
Has or is eligible for Medicare, unless he/she is eligible for coverage though their employer.
Works for McLeod Health.

You will be required to list your spouse’s employer and contact information and to certify that the information you are providing is true and accurate to the best of your knowledge. Falsification or significant omissions will be grounds for denial or retroactive termination of benefit coverage, recoupment of benefits improperly paid and it may result in termination of employment. If both you and your spouse are employees of McLeod Health: McLeod does not permit “double coverage,” that is, you may not elect coverage as both an employee and a spouse. Only you or your spouse can elect coverage for your eligible dependent child(ren). Also, dependent children may not elect coverage as an employee if covered as a dependent by a parent who is employed by McLeod.

If your spouse’s benefit eligibility changes at any time during the year, you must contact Businessolver at 844-436-7172 within 31 days and the surcharge will be added or removed as appropriate.

Tobacco-Use Surcharge

Employees and their spouses covered under a McLeod Medical Plan who have used tobacco products within the previous six months will pay a tobacco-use surcharge of $25 for employees and $25 for spouses per pay period (24 paychecks annually).

If you’re a new hire: You must complete a Tobacco Screening Test within 31 days of your eligibility date as part of your new hire health assessment process performed by Employee Health. If you carry a spouse on the McLeod Health Medical plan, they too must complete the tobacco screening to avoid the surcharge. The tobacco use surcharge is $25 for employee and $25 for spouse per pay period (24 paychecks annually) in addition to the medical plan premiums.
If you become benefits-eligible during the year: You must complete a Tobacco Screening Test within 31 days of your qualifying life/work event. If you carry a spouse on the McLeod Health Medical plan, they too must complete the tobacco screening to avoid the surcharge. The tobacco use surcharge is $25 for employee and $25 for spouse per pay period (24 paychecks annually) in addition to the medical plan premiums.

Commit To Quit–And Pay Less!

See Quit Smoking/EX Program to find out how you can avoid the tobacco surcharge and give your health a boost by participating in our free tobacco cessation program.

*What are tobacco products?
For purposes of surcharges, tobacco products include cigarettes, cigars, pipes, e-cigarettes, vape, all forms of smokeless tobacco (chewing tobacco, snuff, dip, or any other product that contains tobacco), clove cigarettes and any other smoking devices that use tobacco, such as hookahs.

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