Wait till the fatties start complaining when you get better rates for being in shape.
“Wait till the fatties start complaining when you get better rates for being in shape”
I worked for a major oil company that did biannual health screenings for their self insured plans. You had the option to not take insurance from the company, or refuse to participate in the screenings which would automatically put one in the high risk insurance group if you chose to take coverage from the company. That high-risk group was $200 per month per person higher. If you took the screenings and failed 3 of 5 metrics you were put in the high risk insurance group with a $100 per month increase for 6 months then if you improved in one of the 3 failed you kept the $100 increase if you didn’t improve at least one then the rate jumped to the full $200 per month. In addition to this monthly hair test for drugs were mandatory one of the drugs that was tested for was nicotine if you were positive that was another $150 per month increase this test was not optional as the hair was being collected anyways for narcotics testing.
The five metrics were:
BMI over 30
Cholesterol over the healthy limit for your age/ sex group.
Triglycerides over 180
Blood sugar over 100
Waist line over 40 inches for men I forgot what it was for females.
Fail any 3 of those and it’s high risk insurance group for you.
Our plans were platinum level , $275 deductible, 80/20 co insurance up to an out pocket Max of $5000 and a 5 million limit on care. Nearly everyone took insurance from the company and we had a 98% compliance rate for screenings. It was $110 per month for individual employees as our premium.