Spouse or Domestic Partner Surcharge

Important Information about the Other Coverage Surcharge
A number of Kindred employees have contacted us because of the new other coverage surcharge that applies to those who cover a spouse or domestic partner with access to their own employer-provided medical coverage.  

What Types of Coverage are Considered to be Employer-provided?
•  Employer-provided coverage includes medical coverage available to your spouse or domestic partner.  This includes both active and retiree coverage, but it does not include continuation coverage through COBRA.
•  Tricare, which is offered to active duty and retired members of the military and members of the Reserves and National Guard, is also considered to be employer-provided coverage. 
•  Employer-provided coverage does not include Medicare or Medicaid.

What if my Spouse/Domestic Partner’s 2012 Enrollment Period has Ended?
•  Most plans, especially those offered by medium and large employers, will allow the employee to change his/her election for a number of reasons that are considered to be “family status changes”. A family status change (or qualified event) includes marriage, birth, divorce, etc, as well as if there is a significant change to the other person’s plan. 
•  Significant changes are considered an increase in cost (contributions or out of pockets, such as deductibles) or a change in the network of providers.
•  A change in election should include adding coverage.
•  Most plans limit the amount of time to request a change, and documentation is usually required.  The notice in the attached document should qualify as required documentation.

Kindred employees and their spouses and domestic partners can call the Kindred HUB at 1.800.991.6171 if you have any additional questions.