For Greater Charlotte Teammates

2024 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.

Rate Sheets:

Full-time premiums apply to teammates with standard hours of 30 or more per week (60 or more per pay period).  

Part-time premiums apply to teammates with standard hours of 20 to 29 per week (40 to 59 per pay period).   

Working spouse surcharge is $50 per bi-weekly pay period. It applies if your covered spouse is eligible for medical coverage through their employer (not applicable if your spouse works for Atrium Health), but you choose to enroll them in one of the LiveWELL Health Plans. You will then 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. 

Teammate discounts apply to full-time teammates with an annual salary of $38,000 or less.     

Tobacco user surcharge applies to LiveWELL Health Plan members who use tobacco. The surcharge is $25 for one tobacco user per bi-weekly pay period, and $50 for two or more tobacco users per bi-weekly pay period. 

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 the Benefits Service Center at 704-631-1500, Option 1 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. Visit the LiveWELL Tobacco Cessation page to learn more. 

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. 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.  

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


Last Updated on 02/08/2024