Posts in spousal audit
Periodic Dependent Verification = Major Savings

An organization in the banking and financial industry asked BMI to verify the eligibility for 1,181 enrolled dependents on their medical plans. Previous checks by BMI in 2016 and 2019 resulted in the removal of 71 ineligible dependents, saving over $250,000.

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Dependent and Spousal Surcharge Verification Saves Money

A food and beverage retailer with 709 employees engaged BMI to verify whether any of the 1,383 enrolled dependents met the plan’s eligibility and spousal surcharge criteria.

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Dependent and Spousal Surcharge Verification Saves Money

A manufacturer with 270 employees engaged BMI to verify whether any of the 688 enrolled dependents met the plan’s eligibility and spousal surcharge criteria.

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Verification Reveals Ineligible Spouses

A manufacturer wanted to verify whether any of their 113 employees had enrolled a spouse who had other coverage available to them through employment. If so, the spouse would be ineligible for the manufacturer’s health plan through their “working spousal carve out” plan provision.

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Eligibility Verification Achieves Over $150k in Savings

Looking to help combat rising health insurance costs, a construction company with 159 employees approached BMI to confirm that only eligible dependent children and spouses were enrolled in the company’s health plans.

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Eligibility Verification Finds Unreported Employee Divorces

A school district with 259 employees approached BMI to conduct a dependent eligibility audit after discovering that an employee’s ex-spouse was incurring costs on their health plans.

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Dependent Audit Results in Huge Return on Investment

A national retailer with 470 employees approached BMI to conduct a review of dependent coverage elected by plan participants and to validate whether enrolled dependents met the plan’s eligibility requirements.

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Savings Continue with Ongoing Dependent Eligibility Audits

This healthcare organization relied on BMI for ongoing dependent eligibility audits to help manage eligibility and spousal surcharge verification in circumstances such as life events or new hires. This independent expert verification can prevent ineligible dependents from continuing to enroll in the plan while reducing an employer’s administrative burden.

An initial audit by BMI led to the removal of over 1,000 dependents and annual savings of over 4 million dollars.

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Combined Savings: Audit of Dependent Eligibility & Spousal Surcharge

A small employer group with 259 employees covering 600 dependents contacted BMI to: 1) verify the eligibility of all dependents and 2) determine whether or not enrolled spouses should be paying a spousal surcharge per the plan.

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Savings Follow Verification of Spousal Eligibility

To ease the burden of rising health care costs, this manufacturer enlisted BMI’s assistance to verify if 344 enrolled spouses were eligible under their employer’s health plan and therefore ineligible on the manufacturer’s plan. The employer also elected to verify the eligibility of 623 dependent children enrolled on the plan. 

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