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Spousal Surcharges for Health Care Coverage*

Spousal Surcharges for Health Care Coverage*. Sample comprised of 279 responses randomly selected HR professionals. Analyzing 279 responses of 2018 emails sent, 1902 received (response rate = 15%) Survey fielded February 15 – 21, 2005; presentation generated on March 4, 2005.

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Spousal Surcharges for Health Care Coverage*

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  1. Spousal Surcharges for Health Care Coverage* • Sample comprised of 279 responses randomly selected HR professionals. • Analyzing 279 responses of 2018 emails sent, 1902 received (response rate = 15%) • Survey fielded February 15 – 21, 2005; presentation generated on March 4, 2005. • Margin of error is +/- 5%. *Introduction: This survey is about spousal surcharges for healthcare coverage. As a way to contain health care costs organizations may try to reduce the number of participants in their plans, especially for married workers. Spousal surcharges (i.e., a set monthly or annual fee in addition to the employee + spouse employee contribution) are imposed on employees who opt to include their spouse in your organization’s health care benefit program even though the spouse is eligible for his/her own employer’s health coverage.

  2. 1. Does your organization currently implement or plan to implement within the next 12 months a spousal surcharge on health care coverage for spouses of employees? Note: HR professionals who answered “don’t know” to this question were excluded from the analysis.

  3. 1. Does your organization currently implement or plan to implement within the next 12 months a spousal surcharge on health care coverage for spouses of employees? Note: HR professionals who answered “don’t know” to this question were excluded from the analysis.

  4. 2. What is the dollar amount of the surcharge per month?$18 $30 $32 $50 $100 $100 $110 $140 $150 $300 $375$464 Average of spousal surcharge per month: $156

  5. 2. What is the dollar amount of the surcharge per month?Open-ended responses: - depends on insurance selections- 20%- difference between single coverage and cost for spouse, childrenHMO is free, PPO is 181.28/month- It depends on the annual compensation of the employee and the type of coverage selected.- It varies depending on the plan.- There is a three tier system Associate Fee, Associate Plus Spouse or Associate Plus Family. Its always been that way for us- Varies based on plan selected and whether part time or full time AND whether smoker or not. Part time to add dependent increases approximately 200% over single coverage + $15 surcharge for smoking. Full time increase for dependent is approximately 125% +We do not allow spouses with coverage through his/her employer to be on our plan.

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