Spousal Carve Out Medical Plans

‘Carving Out’ Spousal Benefits: Cost-Cutting, with …

https://www.shrm.org/ResourcesAndTools/hr-topics/benefits/Pages/spousal-carve-outs.aspx

Employers that “carve out” spousal coverage from their health plans could potentially generate big savings. But there are compelling reasons why so few have taken this step, so far....

Spousal and Dependent Carve-Outs and Surcharges

https://www.thehortongroup.com/resources/spousal-and-dependent-carve-outs-and-surcharges/

Trending: Fewer Spouses Covered on Employee Benefit Plans

https://blog.ifebp.org/spousal-carve-out/

Employers often use one of the following four methodsto reduce the number of spouses they cover: Charging employees more to cover spouses who have access to …

Spouse & Health Insurance Coverage | HUB International

https://www.hubinternational.com/products/employee-benefits/compliance-bulletins/2021/03/spouse-health-insurance/

For spousal HRAs, employers must be sure that the HRA meets all the requirements under the Affordable Care Act (“ACA”) to be treated as “integrated” with the …

Spousal Carve Out and Waiver | Horton Group

https://www.thehortongroup.com/resources/spousal-carve-out-and-waiver-0/

If not, the spouse may be without coverage until such time they can enroll in their own plan. Be sure to update plan documents to clearly define spousal eligibility, …

Have employers dropped spouses from employer

https://www.healthinsurance.org/faqs/my-husbands-employer-offers-good-health-insurance-for-our-family-is-it-true-that-because-of-obamacare-employers-may-start-dropping-spouses-from-their-plans/

A. Obamacare (the Affordable Care Act) increased the options employees’ spouses have for obtaining health insurance, and the law does not require employers to offer coverage to spouses. Some …

Issue Brief – Spousal and Dependent Carve-Outs and Surcharges

https://benefitcomply.com/issue-brief-spousal-and-dependent-carve-outs-and-surcharges/

When an employer decides to impose a spousal surcharge or to carve-out coverage eligibility for those spouses who are eligible for group health coverage elsewhere, the …

Spousal Surcharge: A Fix for Rising Costs of Employer …

https://www.mcclone.com/blog/spousal-surcharges-another-technique-to-address-rising-health-insurance-costs

A spousal surcharge is an additional fee or premium that an employee is required to pay if his or her spouse has an alternative source for healthcare coverage …

What is spousal carve out? - insuredandmore.com

https://insuredandmore.com/what-is-spousal-carve-out

A spousal carve out is a health insurance plan design employers use to control health care costs by placing restrictions on coverage for an employee's spouse. ... The most …

Spousal Carve-Out Sample Clauses | Law Insider

https://www.lawinsider.com/clause/spousal-carve-out

Spousal Carve-Out. Spousal Consent If any individual Stockholder is married on the date of this Agreement, such Stockholder’s spouse shall execute and deliver to the …