2018 Open Enrollment Guide

Sep 29, 2017 | Robert McGriff | @m039153 | Comments (62)

OE_Guide

The 2018 Open Enrollment guide is now available!  Please click on the image above to open the document.  On the front cover, you can click on "Print OE Summary" to print a short version of the guide or you can just review the guide electronically and avoid printing altogether.

Reminder:  Benefits Open Enrollment is November 1st through the 15th.  This your opportunity to complete one (or more) of the following items:

  1. Enroll or change your medical plan election.
  2. Enroll or change your dental and vision plan election.
  3. Add or remove a family member.
  4. Elect to participate in a Flexible Spending Account or Health Savings Account for 2018.
  5. Pre-Elect to sell PTO in 2018 for 100% of it's value.

 

As always, feel free to comment or ask questions in the box below.

Interested in more newsfeed posts like this? Go to the Benefits Connect page.

@ducklips

I think you are not giving a direct answer to the surcharge for spouses yes we don't have to take the insurance but if we work and have very expensive insurance cost that we have to pay why is that different than someone that does not work. it is the same coverage and the same cost for mayo to cover these costs for each person so why do we have to pay more for the same coverage. remember everyone has a way to get insurance and no one knows how much it costs anybody to get that insurance.

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Hi - thanks for your comment. The difference being that in one scenario the spouse has employer coverage available, and when the spouse chooses not to enroll in it and is instead covered solely by Mayo Clinic, Mayo is carrying more of the cost for that employer. The surcharge helps to offset a portion of that cost. Employees have the opportunity to determine if it makes more sense to enroll in the employer's coverage or pay the surcharge.

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@ducklips

what cost do you pay

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Don - once you go through the open enrollment process, you will see your cost and Mayo's cost. Thank you.

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You mean what is the cost to Mayo Clinic of providing spousal coverage? Let's look at one example. The true cost of Single coverage in Mayo Premier for 2018 will be $567 per month. The employee will pay $95 per month and Mayo Clinic will contribute $472 per month. When a spouse is added, the true cost goes up to $1,020. The employee pays $185 per month and Mayo Clinic contributes $835 per month. So, when the employee adds their spouse to Mayo Premier in 2018, it costs Mayo Clinic an additional $363 per month which is $4,356 for the year.

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@m039153

You mean what is the cost to Mayo Clinic of providing spousal coverage? Let's look at one example. The true cost of Single coverage in Mayo Premier for 2018 will be $567 per month. The employee will pay $95 per month and Mayo Clinic will contribute $472 per month. When a spouse is added, the true cost goes up to $1,020. The employee pays $185 per month and Mayo Clinic contributes $835 per month. So, when the employee adds their spouse to Mayo Premier in 2018, it costs Mayo Clinic an additional $363 per month which is $4,356 for the year.

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What i want to know is what is the differance in cost to mayo to cove a spouse who is unemployed vs a spouse who does not use their employers insurance in dollars

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@m039153

You mean what is the cost to Mayo Clinic of providing spousal coverage? Let's look at one example. The true cost of Single coverage in Mayo Premier for 2018 will be $567 per month. The employee will pay $95 per month and Mayo Clinic will contribute $472 per month. When a spouse is added, the true cost goes up to $1,020. The employee pays $185 per month and Mayo Clinic contributes $835 per month. So, when the employee adds their spouse to Mayo Premier in 2018, it costs Mayo Clinic an additional $363 per month which is $4,356 for the year.

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I think this is a great question, I'm curious to hear this answer as it seems they pick and choose who they want to cover. Same would go for spouses on self-employed.

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@m039153

You mean what is the cost to Mayo Clinic of providing spousal coverage? Let's look at one example. The true cost of Single coverage in Mayo Premier for 2018 will be $567 per month. The employee will pay $95 per month and Mayo Clinic will contribute $472 per month. When a spouse is added, the true cost goes up to $1,020. The employee pays $185 per month and Mayo Clinic contributes $835 per month. So, when the employee adds their spouse to Mayo Premier in 2018, it costs Mayo Clinic an additional $363 per month which is $4,356 for the year.

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There is no difference.

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@m039153

You mean what is the cost to Mayo Clinic of providing spousal coverage? Let's look at one example. The true cost of Single coverage in Mayo Premier for 2018 will be $567 per month. The employee will pay $95 per month and Mayo Clinic will contribute $472 per month. When a spouse is added, the true cost goes up to $1,020. The employee pays $185 per month and Mayo Clinic contributes $835 per month. So, when the employee adds their spouse to Mayo Premier in 2018, it costs Mayo Clinic an additional $363 per month which is $4,356 for the year.

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So if there is no difference why is there the 75 dollar fee

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@m039153

You mean what is the cost to Mayo Clinic of providing spousal coverage? Let's look at one example. The true cost of Single coverage in Mayo Premier for 2018 will be $567 per month. The employee will pay $95 per month and Mayo Clinic will contribute $472 per month. When a spouse is added, the true cost goes up to $1,020. The employee pays $185 per month and Mayo Clinic contributes $835 per month. So, when the employee adds their spouse to Mayo Premier in 2018, it costs Mayo Clinic an additional $363 per month which is $4,356 for the year.

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Because there is a difference between being a Secondary Insurer and being a Primary, if the Spouses Employer covers as a Primary then Mayo spends less as Mayo is only the Secondary Insurer (amounts not listed here, $75 fee not required), if the spouse decides to not use their Employers insurance then Mayo covers as the Primary Insurer (for which the amounts are listed above, $75 fee required to cover the extra cost to mayo).

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I don't feel like this thread is productive conversation any longer. Your question has been asked and answered repeatedly.

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