Medical Spousal Surcharge
The medical spousal surcharge is applied to medical plan premiums for faculty and staff if their spouse, Registered Domestic Partner (RDP), or Grandfathered Legally Domiciled Adult (GF LDA) has any type of medical coverage available through his/her employer but is nevertheless covered under a USF medical plan.
Please review the information below to learn more about the surcharge.
This is a $75/month surcharge that you pay in addition to your employee contribution to your USF Medical Plan. The surcharge is paid through payroll deductions.
You pay the Medical Spousal Surcharge if you meet both conditions:
- You are covering your spouse/registered domestic partner (RDP)/Grandfathered Legally Domiciled Adult (GF LDA) under a USF Medical Plan (i.e. Anthem PPO or Kaiser HMO)
- Your spouse/RDP/GF LDA has access to medical coverage through their employer (regardless of whether they are enrolled in this coverage or not).
- When completing your benefits elections task in USFWorks, regardless of whether the Medical Spousal Surcharge applies to you, you need to open the Medical – Spousal Surcharge Benefit ‘card’.
- On the next page, click Select (not Waive), then Confirm and Continue. On the following page, select the option which applies to you from the drop-down menu. For further information, see pages 4-5 of the New Hire job aid.
The Medical Spousal Surcharge does not apply if both you and your spouse/registered domestic partner are USF employees. In this case, please select the option No, my spouse or registered domestic partner does not have access to other coverage.
The Medical Spousal Surcharge does not apply if your spouse/registered domestic partner’s other coverage is through an individual market plan*, Medi-Cal (Medicaid) or Medicare. In this case, please select the option No, my spouse or registered domestic partner does not have access to other coverage.
*“Individual market plans” include plans sold in Federal or State Exchanges or outside of Exchanges in the individual insurance market. Ex. Covered California