North Florida Nesties
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Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Clicky poll: health insurance & smoking/obesity
I saw a post on another board where an employer changed the company's health insurance plans. The premiums went down 1% overall -- unless the insured was a smoker or overweight then the premium increased 5%.
What do you think? Fair or no?
[Poll]
Re: Clicky poll: health insurance & smoking/obesity
If the person was applying for private health insurance and not through an employer they'd definitely be charged a higher premium.
Correct me if I am wrong, but when a group insurance policy is offered through an employer, they can't raise rates individually for discriminating factors, they would just raise the rates for all employees (which unfortunately, is not fair to those who are in good health). I think this is why DH's group insurance rates went up so much and why we opted for private insurance.
And in the case that group rates do go up, wouldn't people just lie and say they don't smoke? Trying to claim one is not obese wouldn't be as easy.
ETA: I wish DH's company would have discriminated against the smokers and decreased rates for everyone else instead of the overall rates going up for everyone. Why do we need to pay for other people's bad habits? I am a little more leery to say that people should be discriminated against due to obesity. Yes, some people are lazy/have bad eating habits/etc and could do something about that, but in many other cases there are underlying causes that they can't necessarily help.
How is it that my BABY is going to be 3?
BFP-2/25/11; 8 Wk U/S-3/25/11-No HB, measured 6.5 wks; D&C
I work in employee benefits and we have clients that have smoker/non-smoker rates. In order to have those rates, the company also has to offer a smoking cessation program. I think that's fair.
ETA: smoking cessation program
Hm, interesting. Thanks for sharing. I think that's fair too.
One of my ex-coworkers worked at a small bank down south that did a health fair every year before annual enrollment. It wasn't required but if you went to this fair and took some tests (smoker? blood pressure, weight, pulse, etc...) then you could get up to X% off of your insurance rates. The rates would never be higher than usual but you would have the chance to lower them if you were taking care of your self.
I thought it was a cool idea.
Mayo also offers the discount if you meet several wellness awareness requirements, and Nemours does the same if you attend their health fair and do the basic wellness checkup and 'pass'--it's not super strict. I think both of those are fair ways to do it so that it's a discount for 'healthy' people versus docking people who don't 'pass'. That way if you are also lazy about attending their health fair and/or filling out the health surveys and taking education, or don't want people knowing your weight/BP, you pay extra, even if you're in shape.