Becoming more popular in recent years with the implementation of health care reform, many employers have attempted to shift health care costs to other employers if employer coverage is available to otherwise eligible spouses.

To minimize any potential disruption and promote efficiency, most organizations chose to conduct this type of verification within a comprehensive dependent eligibility audit. This also ensures the dependent is in fact eligible to begin with. The savings can quickly add up with spousal surcharges averaging $50-250 per month and annual per dependent costs of $3,000 or higher.

This type of dependent eligibility audit may be ideal if the organization has:

  • Never conducted a dependent eligibility audit or verified these eligibility provisions.
  • Large numbers of enrolled spouses or other dependents who qualify for coverage
  • Recently introduced a spousal carve-out, surcharge or other eligibility provision.