Tobacco Surcharge

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NHRMC has a premium surcharge for medical plan participants who smoke or use other tobacco products. NHRMC is committed to the promotion of healthy lifestyles for our employees, patients and the community we serve. Lifestyle choices impact your health and the amount NHRMC and your co-workers pay for medical coverage. This tobacco surcharge aligns with the Tobacco Free Workplace policy implemented in November 2007.

We define a tobacco user as an individual who has used any tobacco product, including but not limited to cigarettes, cigars, pipes, herbal tobacco products, chewing tobacco, and electronic nicotine delivery systems within the last sixty (60) days

When you enroll in your medical plan, you will be required to indicate and affirm if you and/or each of your covered dependents are smokers or use other tobacco products. If you or any of your covered dependents are a tobacco user, the amount you pay for medical coverage will be more than non-tobacco users.

The rate is within the guidelines established by the DOL, EEOC, ADA and PPACA. The premium surcharge is equal to 50% of the non-tobacco user employee contributions for all coverage levels with the exception of the employee only premium surcharge, which is significantly higher than the employee only rate.

When you indicate your tobacco use during benefits enrollment in YESS, you will be required to certify that the information you are providing is true and accurate to the best of your knowledge, and that intentional falsification or significant omissions will be grounds for discipline including, but not limited to, termination of employment from NHRMC, denial or retroactive termination of benefit coverage, and recoupment of benefits improperly paid.

If your tobacco use changes or any of your covered dependents' tobacco usage changes, your employee contributions may change. You must report this change to Employee Health and your HR Benefits Team. A change from a tobacco to non-tobacco user status, or vice versa, is not a qualifying change in status, and you cannot change your coverage level or any of your other benefits. The change will only apply to the medical plan employee contributions.

If you think you or your covered dependent might be unable to stop using tobacco products, or that it is medically inadvisable for you or your dependent to attempt to do so, you can call the HR-Benefits Team at 910.667.7049, and we will work with you or your dependent (and, if you wish, with your or your dependent’s doctor) to make available a reasonable alternative standard for you to avoid this surcharge that is right for you or your dependent in light of your or your dependent’s health status.