Spousal Exclusion Medical Benefits

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Spousal Exclusions on the Rise - SHRM

https://www.shrm.org/hr-today/news/hr-magazine/Pages/1111tobenkin.aspx

Spousal Exclusions on the Rise To rein in rising health care costs, employers tell employees’ working spouses to go elsewhere for insurance. ... where health benefits are a major recruitment and ...

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

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

There are several ways to carve out spousal health care benefits: ... SHRM Online Benefits, January 2012; Spousal Exclusions on the Rise, HR Magazine, November 2011; Health Care …

Spousal Impoverishment | Medicaid

https://www.medicaid.gov/medicaid/eligibility/spousal-impoverishment/index.html

The expense of nursing home care — which ranges from $5,000 to $8,000 a month or more — can rapidly deplete the lifetime savings of elderly couples. In 1988, Congress enacted provisions to …

Trending: Fewer Spouses Covered on Employee Benefit Plans

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

The 2018 International Foundation Employee Benefits Survey showed that 20.1% of responding health plan sponsors imposed spousal surcharges or exclusions. The June 2019 …

Can employers refuse to cover spouses? - Lexology

https://www.lexology.com/library/detail.aspx?g=c00716ec-b43f-4975-88c2-80c3d2b7642b

Further, employers should be cautious about adding a spousal exclusion, as family coverage is a valued employee benefit, and employers may lose top-notch talent if they stop …

Spousal Surcharge: A Fix for Rising Costs of Employer

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

The practice of spousal surcharges is sometimes viewed as an effective way for employers to hold down healthcare costs by dissuading spouses (i.e., a husband or wife who …

Can an employer implement a Spousal or …

https://www.benefitscompliancesolutions.com/post/can-an-employer-implement-a-spousal-or-dependent-surcharge-or-exclusion

Let's start by clarifying: there is a significant difference between a spousal/dependent surcharge and a spousal/dependent exclusion or carve-out. A spousal or …

Spouse & Health Insurance Coverage | HUB International

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

Spousal exclusions are were the plan does not offer coverage to any spouses at all. ... such as the requirement not to have lifetime or annual limits on essential health …

The unintended consequences of spousal …

https://www.benefitnews.com/opinion/the-unintended-consequences-of-spousal-exclusions

Let’s call her Katie. Her predicament underscores the unintended consequences and economic and societal challenges associated with spousal exclusion policies. Her …

The alternative to health plan spousal …

https://www.benefitnews.com/opinion/the-alternative-to-health-plan-spousal-exclusions

New cost of adding a spouse to employee + child (ren) coverage: $150 ($275 - $125) Average cost of single coverage for all plans/all firm sizes, per the 2014 Kaiser Family …

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