As an extension of Mayo Clinic Human Resources, Benefits Connect brings together benefits experts, plan members, and those who are curious about benefits to share their experiences and knowledge. Each new post is designed to go beyond simple resource information to practical advice on the best strategy to get the most out of the industry-leading benefits at Mayo Clinic. Join the conversation by commenting on posts and replying to comments.
They are married to a colleague.
When a Mayo Clinic employee is married to another Mayo Clinic employee, we call them "married-married". At last count, there were almost 4,000 of these couples working at Mayo Clinic. If you are in the group, you should understand how your marriage affects your benefits.
When two members of the family are both working in a benefit-eligible role at Mayo Clinic, the family members are dual-eligible for coverage in the Mayo Medical Plan. But, the plan doesn't allow dual coverage. You will need to choose whether you want to be covered under your own employment or your spouse's. The plan will allow you to enroll in whatever coverage level you think is best (all of the family under one spouse, or some under each spouse) but generally speaking the best plan is to keep the whole family enrolled together under one spouse.
Different than the medical plan, the dental plans allow dual coverage when you have dual eligibility. But the result can not be dual coverage in Delta Dental. Here's some examples.
Employees can enroll for Group Universal Life Coverage for themselves and their spouses. However, a spouse who is already enrolled in Group Universal Life Coverage through their own employment is considered ineligible for spouse coverage through their spouse. (On a side note, the same is true for children. They can only be covered under the Family Life Insurance of one parent.)
So, whether you have been married for decades or the sound of wedding bells is in your future, consider these factors before your enroll for benefits. As always, the HR Connect Service Center staff are available to help with questions at 1-888-266-0440.