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Working Spouse Surcharge
Why does SCL Health have a Working Spouse surcharge?
SCL Health encourages associates and their working spouses to evaluate all medical plan options before enrolling in SCL Health’s plan to ensure they are enrolling in the most affordable plan available to them. If your spouse has access to medical coverage through his or her employer, but waives that coverage and instead enrolls in an SCL Health medical plan, a $100 monthly surcharge will apply. This surcharge will be collected on a pre-tax basis through payroll deductions.
The surcharge will not apply if your spouse:
- Only has access to employer-provided medical coverage with an annual in-network out-of-pocket maximum greater than $5,000 for associate-only coverage and $10,000 if covering dependents; or
- Is enrolled in his or her employer’s plan and an SCL Health plan as secondary coverage; or
- Is enrolled in Medicare, Medicaid, Tricare or Tribal health insurance as his or her only other coverage; or
- Is an SCL Health benefits-eligible associate.
- If you cover your spouse on your SCL Health medical plan, you must certify that your spouse does not have access to other coverage through his or her own employer to avoid the $100 monthly working spouse surcharge in Lawson.
- Moving forward, you will be required to re-certify each year that your spouse does not have access to other coverage through his or her own employer.
- If your spouse gains or loses employer coverage mid-year, you must re-submit the Working Spouse Affidavit through the Benefit Change Request Form so the surcharge can be adjusted as necessary.