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2018 Open Enrollment Guide Jun 29, 2023 | By Robert McGriff (@m039153)Comment receiving replies
I am also concerned about the spousal surcharge fee. I feel my spouse is being penalized for working. If he was unemployed, retired or self-employed a surcharge would not apply, however because he has a job and is offered insurance even through the employer coverage is just as expensive as private insurance, we are being charged a fee through the Mayo Plan. We have chosen the Mayo Plan to keep our care at the Mayo facility verses taking out my spouses insurance which would take our health are to a different non-Mayo facility. I feel we are paying double coverage to have my spouse on the insurance plan offered through Mayo.
Replies to "I am also concerned about the spousal surcharge fee. I feel my spouse is being penalized..."
Isn't the offset paid through the higher premium charged for employee + spouse? And why would we pay two premiums, it seems this could end in a loss of patient's for Mayo if employees chose a spouse's insurance plan that covers at a different facility just to keep family care together.
Yes, a little. And with knowing the spouse has another medical option and chooses not to be on it, the surcharge offsets the cost a little more. Again, it is your choice and you need to look at what is best for your medical and financial situation.
Rest assured, your spouse is not being penalized for being employed. If your spouse has a medical coverage option through his/her employer and you make the choice to have them on the Mayo Medical Plan as secondary coverage, then there is no spousal surcharge. If you and your spouse choose not to have him/her on the employer’s medical plan available, the charge is simply to offset the actuarial cost of having your spouse on the Mayo Medical Plan. This is a way to help control cost for all Mayo Medical Plan participants now and into the future.