I just had to attend a staff meeting at the agency I work for. I run a computer lab in a sheltered workshop teaching technology to people with developmental disabilities. Its a great job... awful pay, but wonderful benefits, like comprehensive health care from Univera. Anyways, the meeting went on, anniversaries, new hires, contracts we didn't get, we're doing ok, blah, blah, blah...
Staff meetings are always Thursday, but this is Wednesday, apparently because the person who came to talk to us would only make it Wednesday. This better be important, I thought.
It was, the man was from Interactive Health Solutions, hired by my small non-profit agency, to tell us he wanted to take our blood.
He said they were going to take our blood, ask our medical history and then give us the full gamut of tests. Then, we'd get results on cholesterol, blood sugar, cancer risks, weight... actually everything but a drug test they'd have results for. We'd be given a health risk assessment and told how we should change our lifestyle to get healthy or stay healthy. Then after a year (I think) we'd go back for tests and find out if we passed our goals. If we did, we'd get a bit off of our monthly premium. If we didn't pass, however, we'd end up paying a little more. And if we DIDN'T take the test, we would end up paying more anyways.
"I don't want the agency to know my medical history."
"What if I take the test but want to hold back a part of my medical history?"
"What if we don't need to get healthy?"
"What if its not our fault we can't make our goal? Do we still get penalized?"
Those questions and more were immediately lobbed at the representative. God, the woman behind me kept going off on how she wasn't about let the agency know anything about her. I don't like her; she doesn't shut up. The representative took each question and answered it plainly. He even re answered every time someone expressed their extreme aversion to letting the agency know their medical history. He reassured us the agency would only get aggregate data back, and whether we passed our goal or not. He said they were full HIPPA compliant, which everyone in the agency operates under HIPPA compliancy due to the nature of our work. And still, people were not satisfied, and not happy about having to pay extra if they opted out.
I dunno, I don't mind it. Everything's free, I get to save a doctor visit, I'll know if i need to go find a kidney specialist or not. I hate going to see a doctor, if this will save some time, count me in. Of course, I'll actually have to go see a doctor if something Is wrong, but maybe I should stop being such a procrastinator. I only have a few more years as a P.Y.T., I should start thinking long term. Um, anyways...
We'd also get free health coaching and access to online healthy living courses. The overall goal, was to make us smarter healthier people, because smarter, healthier people don't use that much insurance, therefore lowering the premium in a group. The group is our agency, since last year Univera switched from a region wide pool to being just within the company purchasing the group policy. If our agency used less insurance, then we'd all benefit. The representative said that healthcare is moving in this direction; eventually we'd pay for health insurance like we do for car insurance, based on the individual. He said that participating with Interactive Health Solutions was like taking defensive driving for our health insurance.
I suppose I have a question. And it's for you, Projectors:
Am I too ok with this? I'm mean, I'm young and fit, and I don't smoke, this isn't a big deal for me. I know I'll get a discount on my insurance no sweat, but what if I wasn't so fit? Let em loose in the comments.