Insurance Screening. Do you do it?

SCJB143 · October 2011

Does anyone else do this for insurance? We do it to get the discounts, but I hate it! I do not like giving blood, but, like the discount so I suck it up and do it. And I feel weird walking into the lab with a folder full of all the packing stuff for the lab to send my blood off in.

I know it saves us money each month on insurance, and I don't have to do it if I don't want the discount. But, I still hate it!

Aegis2005 · October 2011

Is this for health insurance or life insurance? Either way, I've never done this for any of my policies.

StingShark425 · October 2011

You have to supply your own tubes for blood?

Our health insurance does not offer a discount for this, so we don't do it. Our life insurance doesn't require us to have a physical either.

SCJB143 · October 2011

Aegis2005:
Is this for health insurance or life insurance? Either way, I've never done this for any of my policies.

Health. My DH's company makes them do it if they want discounts. It is a worldwide company.

So if we test neg for tabacco, we get $9.20 off per month, if our sugar is ok, we get more off and if our cholesterol is good then we get another discount.

Oh, and BMI is the other one tested. If we fall into the "good" range we get more off. So, a lot of people at DH's job have been hitting the gym the last few months!

SCJB143 · October 2011

StingShark425:

You have to supply your own tubes for blood?

Our health insurance does not offer a discount for this, so we don't do it. Our life insurance doesn't require us to have a physical either.

No, the insurance sends a big folder with all the packing supplies, labels ect and a return envelope. But we take the folder with all this to the lab.

jen812 · October 2011

SCJB143:
Aegis2005:
Is this for health insurance or life insurance? Either way, I've never done this for any of my policies.

Health. My DH's company makes them do it if they want discounts. It is a worldwide company.

So if we test neg for tabacco, we get $9.20 off per month, if our sugar is ok, we get more off and if our cholesterol is good then we get another discount.

Oh, and BMI is the other one tested. If we fall into the "good" range we get more off. So, a lot of people at DH's job have been hitting the gym the last few months!

Wow. I've never heard of this. Interesting though. So you have to test every month?

Aegis2005 · October 2011

SCJB143:

Aegis2005:
Is this for health insurance or life insurance? Either way, I've never done this for any of my policies.

Health. My DH's company makes them do it if they want discounts. It is a worldwide company.

So if we test neg for tabacco, we get $9.20 off per month, if our sugar is ok, we get more off and if our cholesterol is good then we get another discount.

Oh, and BMI is the other one tested. If we fall into the "good" range we get more off. So, a lot of people at DH's job have been hitting the gym the last few months!

Geesh, I work for a very large global company too and they don't do this. The only thing we have to do is indicate whether we're a smoker or not - they don't test. This only happens once a year at open enrollment. Of course, if you are a smoker and come down with some health related issues because of it, they will use that as a reason to deny claims - so you're better off to fess up.

SCJB143 · October 2011

jen812:
SCJB143:

Aegis2005:
Is this for health insurance or life insurance? Either way, I've never done this for any of my policies.

Health. My DH's company makes them do it if they want discounts. It is a worldwide company.

So if we test neg for tabacco, we get $9.20 off per month, if our sugar is ok, we get more off and if our cholesterol is good then we get another discount.

Oh, and BMI is the other one tested. If we fall into the "good" range we get more off. So, a lot of people at DH's job have been hitting the gym the last few months!

Wow. I've never heard of this. Interesting though. So you have to test every month?

No, every year. And for the tabacco, it is every 2 years I think. They just started this new insurance last year, so we don't have to do the tabacco test this year.

nicoleg1982 · October 2011

I've never done this for insurance. Health or life. They do ask if I'm a smoker (it's tobacco, by the way), but I never have been and never will be.

Yikes about the bloodwork - more so of the results than the testing. Although I wonder if it would have been beneficial earlier on to me.

SCJB143 · October 2011

Aegis2005:
SCJB143:

Aegis2005:
Is this for health insurance or life insurance? Either way, I've never done this for any of my policies.

Health. My DH's company makes them do it if they want discounts. It is a worldwide company.

So if we test neg for tabacco, we get $9.20 off per month, if our sugar is ok, we get more off and if our cholesterol is good then we get another discount.

Oh, and BMI is the other one tested. If we fall into the "good" range we get more off. So, a lot of people at DH's job have been hitting the gym the last few months!

Geesh, I work for a very large global company too and they don't do this. The only thing we have to do is indicate whether we're a smoker or not - they don't test. This only happens once a year at open enrollment. Of course, if you are a smoker and come down with some health related issues because of it, they will use that as a reason to deny claims - so you're better off to fess up.

They actually test us for tobacco. We don't smoke, so that is no big deal. But, to get the glucose and cholesterol test is every year.

jen812 · October 2011

Hmm. I wonder if they offered a bigger discount, if it would encourage more people to quit smoking?

Floridamom224 · October 2011

we do it here for the school board policy we have. If you do it every year they add 250$ to our card (it is like a debit card) that you can use for copays, prescriptions etc. The county puts 500$ on it every year and then we can add the 150 if we do the screening.

SCJB143 · October 2011

jen812:
Hmm. I wonder if they offered a bigger discount, if it would encourage more people to quit smoking?

My H said of all the people working in his field, 2 are still smoking. So I guess it's helped.

jen812 · October 2011

SCJB143:
jen812:
Hmm. I wonder if they offered a bigger discount, if it would encourage more people to quit smoking?

My H said of all the people working in his field, 2 are still smoking. So I guess it's helped.

Wow, that's great.

briezygator · October 2011

Each year our insurance company actually comes to the office to do a basic health/wellness assessment to measure basic stuff like weight, BMI, cholesterol, blood pressure, etc. I've done it the past two years both because we get $75 gift cards each time and because I'm interested in knowing how I shape up physically. I don't think they use any of the information to determine eligibility or pricing for our insurance policy since everyone at our company pays the same rate regardless of age or smoking or anything.

k8elee03 · October 2011

We get a "healthy lifestyle" discount, but it's honor system. There's a range for weight and a yes/no for smoking.

babybchbum · October 2011

H's job is about to start doing this and from what I hear it is the Honor system as well.

It should be interesting b/c so many people at his job smoke, but if you don't they are giving you a $10 or something discount per pay period.

2008PelicanBride · October 2011

My H's job does something like this, but they screen you right at Open Enrollement, and they say that if the office receives a good score it could lower everyone's costs. If I was offerred something like that where I would get a discount I would do it!

Insurance Screening. Do you do it?

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