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Management that smokes, 3 days until cold turkey
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<blockquote data-quote="Bagels" data-source="post: 1162237" data-attributes="member: 43436"><p>CVS didn't start this trend, nor did it begin in 2013; companies have been charging larger premiums to those who smoke and/are obese since the late 1990s (but I'm surprised it took 23 posts for somebody to blame ObamaCare). My dad's company started to do this in 1997, when I was a HS freshman. The first year of the program, everybody covered had to go to a designated clinic for a wellness exam that checked for signs of tobacco, obesity, etc. In subsequent years, you self-reported but were subject to an audit exam at any time. At the time, I was slightly overweight -- literally a few pounds overweight -- but it kicked my entire family off the a no-cost option onto a costly option and my dad -- who made good money and should've picked the costlier option anyway -- was absolutely livid with me.</p><p></p><p>Initially, most of these insurance programs used passive verbiage -- such as "now be rewarded for living a healthy lifestyle by enjoying significant discounts off your health insurance" [this never was the case] but now most are using more punitive language such as "if you smoke or are obese, you cost us more so now you'll pay more." Note that some companies are now DROPPING those who smoke from their insurance altogether. I have not seen that for obesity, though. Honestly, I've never agreed with these programs ... many people who don't smoke (or smoke so casually it's undetectable / they don't report it) live unhealthy lifestyles with alcoholism & other poor habits, that ultimately cost the system as much.</p><p></p><p><strong>Did you know that people who smoke or are obese actually incur less health care costs over the course of their lifetimes? </strong>It's because they die much earlier.</p></blockquote><p></p>
[QUOTE="Bagels, post: 1162237, member: 43436"] CVS didn't start this trend, nor did it begin in 2013; companies have been charging larger premiums to those who smoke and/are obese since the late 1990s (but I'm surprised it took 23 posts for somebody to blame ObamaCare). My dad's company started to do this in 1997, when I was a HS freshman. The first year of the program, everybody covered had to go to a designated clinic for a wellness exam that checked for signs of tobacco, obesity, etc. In subsequent years, you self-reported but were subject to an audit exam at any time. At the time, I was slightly overweight -- literally a few pounds overweight -- but it kicked my entire family off the a no-cost option onto a costly option and my dad -- who made good money and should've picked the costlier option anyway -- was absolutely livid with me. Initially, most of these insurance programs used passive verbiage -- such as "now be rewarded for living a healthy lifestyle by enjoying significant discounts off your health insurance" [this never was the case] but now most are using more punitive language such as "if you smoke or are obese, you cost us more so now you'll pay more." Note that some companies are now DROPPING those who smoke from their insurance altogether. I have not seen that for obesity, though. Honestly, I've never agreed with these programs ... many people who don't smoke (or smoke so casually it's undetectable / they don't report it) live unhealthy lifestyles with alcoholism & other poor habits, that ultimately cost the system as much. [B]Did you know that people who smoke or are obese actually incur less health care costs over the course of their lifetimes? [/B]It's because they die much earlier. [/QUOTE]
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Management that smokes, 3 days until cold turkey
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