Medical plan surcharges

Tobacco and spousal surcharges help keep medical costs equitable for all Mountaineers. If you are a tobacco user or are covering a spouse/domestic partner, these surcharges may apply to you.

• Spousal surcharge

  While many spouses/domestic partners have health coverage through their jobs, their employers may encourage them to seek coverage through other employer group plans. This means that companies like Iron Mountain end up paying health care costs for employees who work for other companies. Our spousal surcharge helps cover these costs and encourages you to think about which employer coverage best meets the needs of your spouse/domestic partner.

  If you wish to cover a spouse/domestic partner, you must attest to whether they are eligible for other employer-sponsored health care coverage during Open Enrollment. If you elect to cover your spouse/domestic partner who is eligible for other employer-sponsored coverage, you’ll pay a $125 per month surcharge.

  However, if your spouse loses access to their employer-sponsored coverage, the spousal surcharge will be waived. To have the spousal surcharge removed, you must provide proof of lost coverage (i.e., a letter from their employer stating loss of eligibility to benefits). You can upload the proof in your employee file by logging into the Iron Mountain Benefits Center. When proof of lost coverage has been uploaded, please contact the Iron Mountain Benefits Center team at 877.907.4828, Monday – Friday from 8 am – 9 pm ET.

• Tobacco surcharge

  You and your enrolled spouse/domestic partner must pay a surcharge if either of you uses tobacco or nicotine products.

  Surcharge for using a tobacco product in the past six months

  	Employee Monthly Surcharge for 2026 (full time and part time)
  I am a tobacco user	$75.00
  My covered spouse is a tobacco user	$75.00
  Both my covered spouse and I are tobacco users	$150.00

  Note: Your tobacco status also affects your rates for Critical Illness Insurance.

  Want to stop smoking or using other tobacco products?

  Sign up to work one-on-one with a health coach who can help you kick the habit (and access non-prescription Nicotine Replacement Therapy) through the Aetna Tobacco Cessation program.

  Eligibility: All Mountaineers can access the Aetna Tobacco Cessation Program.

  Get started: Contact A1A at 888-216-8573 to learn more.

• Medical plan help

  Emma^TM

  Your virtual benefits assistant, Emma, is available to assist you through the enrollment process. Emma's calculator, videos, and FAQs can help you understand your options and make your choices.

  Emma is more than just a guide—she is a comprehensive tool designed to ensure you have a great enrollment experience!

• Aetna One Advisor (A1A), your personal benefit advisor

  Aetna One Advisor

  Get help with your benefits.

  We offer year-round personalized benefits support through Aetna One Advisor (A1A), your personal benefit advisor to help you understand and use your Iron Mountain benefits, so you can focus on what’s most important— keeping yourself and your family healthy!

  
  

  Eligibility: Everyone eligible for an Iron Mountain medical plan administered by Aetna (even if you aren’t a plan member).

  Learn more about Aetna One Advisor (A1A).