Premiums for the LiveWELL Health Plans

Premiums are the amount you pay for your health plan per pay period. The premiums below represent a bi-weekly pay schedule.

2021 Monthly Benefit Plan Premiums


Working Spouse Rate

If your covered spouse is eligible for medical coverage through his/her employer (not applicable if your spouse works for Atrium Health), but you choose to enroll him/her in one of the LiveWELL Health Plans, you must choose either the Teammate + Working Spouse or Teammate + Working Spouse + Child(ren) coverage options. The rates for these options are higher, in order to offset the increased cost of covering spouses who have access to other coverage.

Before you enroll in healthcare benefits for 2021, be sure to review all of your coverage options in the LiveWELL Health Plans, as well as the coverage your spouse has access to through his/her employer. 

Smoker/Tobacco User Premium Surcharge

The smoker/tobacco user health plan premium surcharge encourages you to make healthy decisions regarding tobacco use. This premium rate increase impacts tobacco users (teammates and any covered dependents). 

Non-Smoker/Non-Tobacco User Certification

By choosing the non-smoker/non-tobacco user coverage option, you certify that neither you nor your covered dependents smoke or use tobacco products, or you are currently enrolled in a tobacco cessation program. If it is unreasonably difficult due to a medical condition, or if it is medically inadvisable for you or anyone you cover to stop tobacco usage, please contact Atrium Health Benefits at 704-631-1500 or for assistance in developing another way to receive the non-smoker/non-tobacco user health plan rate.

Resources for Smokers/Tobacco Users

Through LiveWELL, you have access to resources and support designed to help you stop using tobacco products. You also have access to prescription drug coverage through the LiveWELL Health Plans to help you quit. If it is determined that you are not paying the appropriate health plan premium, you will be required to retroactively pay the smoker/tobacco user premium surcharge or the working spouse premium. Further disciplinary action may be taken as well.


Networks for the LiveWELL Health Plans

The Atrium Health Value Network offers a teammate discount for healthcare services.

Managing your healthcare expenses means you know where to find the most cost-effective healthcare and prescription medications. Lower your healthcare costs by choosing the Atrium Health Value or Preferred Network. Please review the information below to learn more about the networks for the LiveWELL Health Plans and where to access prescription medication.

All Novant owned and affiliated health facilities are Out-of-Network including for preventive services, except in the case of a medical emergency or in documented situations where the service cannot be performed by another In-Network provider. Claims from these facilities are subject to Usual, Customary and Reasonable (UCR) determination and may result in higher patient responsibility. Refer to Defined Terms, Emergency Medical Condition and Coverage of Medical Expenses in the LiveWELL Health Plans SPD.

To find Atrium Health physicians and providers, use the following resources:

  • Castlight
    • Log in to your account
    • Click the Find Care tab at the top of the page
    • Search by care needed, provider or location
    • Atrium Health Network Providers will be noted in green