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����ɬ���� is self-insured. This means health care claims are paid directly by ����ɬ����. The fee is a way we can keep our premiums affordable, and to continue offering great health insurance options. When coverage is granted to a working spouse or domestic partner with access to their employer’s health care plan, this creates higher costs for employees at ����ɬ����. The working spouse/domestic partner fee helps to absorb some of the health care costs that ����ɬ���� will incur instead of your working spouse’s employer.

Yes. Working spouses/domestic partners can be added throughout the year.

No, the working spouse fee applies only to the MEDICAL plan.

Yes, they can remain on your ����ɬ���� health plan, and you will be eligible to waive the working spouse fee.

Yes. Your spouse's loss of coverage would be considered a qualifying event, which means they could be enrolled in the ����ɬ���� plan within 31 days of the termination of benefits, and you would not be required to pay the working spouse fee. Written documentation from your spouse's or domestic partner’s employer regarding their loss of coverage would be required, along with an updated copy of the following.

Yes.

The Working Spouse/Domestic Partner Fee may be waived if your spouse/domestic partner meets one of the following criteria:

The Working Spouse/Domestic Partner Fee applies: