Want insurance? Get on the scale
More employers are requiring workers to weigh in and have blood tests taken in order to get the best health insurance rates.
This post comes from Jen Wieczner at partner site MarketWatch.
In order to be eligible for some -- or all -- of the company health plan, 15% of employers now require employees to undergo biometric screening or fill out a health assessment, according to a survey by Fidelity Investments and the National Business Group on Health.
In the case of screenings, employees typically have to step on a scale, have their waistline measured, and get blood drawn to test cholesterol and glucose levels.
"There are some companies saying, 'Gee, we're spending an awful lot on health care. We would like you to do certain things,'" says Adam Stavisky, a Fidelity benefits consultant.
While most of those companies required such measurements only for access to their richer, top-tier health plans -- which commonly offer higher employer reimbursement or a wider doctor network -- 3% of employers said they would cut benefits for workers who didn't complete the screenings.
Benefits experts say it's no more unreasonable to make employees get their vital measurements taken than to fill out paperwork during health plan enrollment. Even the required blood work is usually part of a routine checkup, they say, and people can only get healthier if they know where they stack up on crucial measures.
"It's something that everybody needs to have for their own sake," says Helen Darling, president and CEO of the NBGH. "The people who might claim that they are discriminated against would be the very people you'd want to have a primary care physician, and talking to doctors and nurses."
Biometric screenings may not be the gatekeeper for most health plans, but they are increasingly becoming a pillar of modern corporate wellness programs. More than 40% of employers currently -- or are planning to -- tie biometric measurements to premiums or health plan incentives, according to the survey. About a third of companies reward employees for lowering cholesterol or blood pressure, while 11% pay employees who get skinnier.
Critics, however, worry that the practice of using so-called "outcomes-based incentives" amounts to insurance underwriting and could decrease access to health care -- something the Affordable Care Act is trying to prevent.
"There's real concern that if people perceive some of the new incentives rules as penalizing people for their health behaviors, then that could actually distance people from accessing health care," says Paul Terry, CEO of StayWell Health Management, a company that offers wellness services to employers, including biometric screenings.
Asking employees to pay up to 30% more in premiums -- the wellness incentive maximum beginning 2014, according to proposed Affordable Care Act guidelines -- for being "morbidly obese" is "just really unrealistic," Terry adds. (He has recently stopped using the term "outcomes-based" for employer wellness incentives in favor of "health-contingent programs" to avoid this connotation.)
Employers who charge different health premiums based on biometric test results must legally allow people who fail to hit the targets to pay the same amount if they provide a doctor's note or enroll in a program to achieve their goal, like Weight Watchers. That means employees can get the same rewards just for participating in a health-promoting program, whether or not they actually lose weight or get healthier.
StayWell, on the other hand, recommends that companies find a middle ground by rewarding people for taking the biometric test and then achieving personalized, realistic goals based on the measurements. "Rather than simply saying 'hit the outcome or else,'" Terry says, "why wouldn't we say to employees, 'show us some progress that you're moving in the right direction in order to achieve the reward?'"
More on MarketWatch and MSN Money:
That's like saying " You shouldn't object to me searching you unless you have something to hide."
The very ones who want to trample your RIGHTS and PRIVACY are the ones who say things like THAT.
If the job is to sell health - I can see wanting the employee to be a good example to hold up to the clients. However, if the job is to sit still 8 hours a day and work in a call center, where they never meet a client face to face and have little to no opportunity for a break in the day - I find it intrusive to require them to go to the doctor constantly to find out if they still at the healthy weight, height, blood pressure, etc. I don't feel it is necessary to get a doctors note saying that they don't smoke, drink excessively, take drugs, have no signs of diabetes...etc.
Besides...if the doc did come back and say the employee is a diabetic, or has some other expensive health condition, it could be used by the company to push that employee to the top of the 'layoff' list the next time they need to get rid of people. Health isn't a protected status so technically, they could use this status for exactly this type of selection. (Sorry, John, your doctor says you could drop dead so, we don't want to take that risk...nice knowing you)
@shrinking woman...you're EXACTLY the type of person that had no problem with others getting "dinged" for having THEIR rights infringed upon because they smoked, etc.., but suddenly you're a major complainer because now it's YOUR rights that are being infringed upon...
That is the pathetic nature of people at their worst. We should be supporting each other's rights regardless whether the DING currently affects us...not just whine when gov't/industry gets to something that happens to relate to your own situation. I'm not fat, so should I just IGNORE the fact that you are getting screwed...maybe laugh a little because fat people are finally getting what they deserve and I've been paying for their ill health my whole life? Isn't the general intent of group insurance NOT TO SINGLE OUT individual participants? But you know...it's a new revenue stream for the insurance companies and a way for corporations to pay less out of their own pocket. They are getting away with it now and won't be stopping anytime soon due to guilt or remorse.
This is how it happens...small steps that condition everyone to accept when PERSONAL LIBERTIES are taken away. Or maybe you just think this will end at smoking, or drinking, or weight, or doctor's visits per year, or soft drinks, or coffee... They are on a roll now and seeing no real citizen backlash, they will push it to the LIMIT. It's up to US to voice our opinions and outrage together as a country...before it's too late.
Since the Insurance companies OWN our politicians they can do are charge pretty much what they want. I am not over weight do not drink or smoke so I should say good to this idea. BUT I always thought we where supposed to have a group style insurance system! By allowing the new federal socialized medicine policy to take affect the government has given the insurance companies huge legal holes in which to NOT cover certain groups at the same rates and or to diminish coverage. Sure, every one will have access but with all the stipulations the out of pocket costs are going to be ASTRONOMICAL! Well for those how work for a living any way!
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
ABOUT SMART SPENDING
LATEST BLOG POSTS
The cybersecurity defenses at most colleges and universities are not up to the task, a report says.
VIDEO ON MSN MONEY
BLOGS WE LIKE
MUST-SEE ON MSN
- Video: Easy DIY smoked meats at home
A charcuterie master shares his process for cold-smoking meat at home.
- Jetpacks about to go mainstream
- Weird things covered by home insurance
- Bing: 70 percent of adults report 'digital eye strain'