civvver
Deity
- Joined
- Apr 24, 2007
- Messages
- 5,855
If we could get people to lose weight, by a defined process, to make medical milestones, then heath insurance would plummet in cost. Similarly, if we could get verifiable blood testing showing compliance in taking routine medicines at a therapeutic level, then health care cost would dramatically decline.
Just as clean water was the most vital aspect of improving public heath, lack of exercise, sedentary behavior, being persistently overweight puts terrible stress on the structural integrity of the skeleton and heart. 75% of patients who are on routine medication do not take them in a manner to ensure therapeutic levels. So they have poor efficacy.
It really is very simple to fix, but very intrusive as it means being medically evaluated in a slightly different manner. If effect, you would be paid to stay healthy, versus universal coverage by detached unmotivated patients.
I believe the average number of prescriptions by retirees is five. Thus if five medicine are not taken in proper amounts, their heart medication, for example, is inadequate.
For mental illness and medications, the compliance is very poor. The same is true for medicines to treat infections.
The most expense is on the end of your life. The health costs in young adulthood are minor save pregnancy and accidents like broken bones.
We are headed that way for better or worse. Companies are already tying incentives to a lot of health monitoring practices.
For instance my company two years ago introduced and initiative that if you got a biometric screen and a physical you would get a $100 reward in your hsa if you had one, or as a taxable bonus on your paycheck if you didn't. Both of those tests are 100% covered by insurance at no patient costs since ACA went into effect and they are considered preventative care.
For 2018 they changed it even more. Instead of an all or nothing reward, now you can pick and choose which incentive activities you wish to do and you get paid for each up to $200. A physical or gynecological exam for women is worth $100, flu shot $50, biometric screening $50, health questionnaire online $50.
The rub is of course they have reduced our benefits by exactly the same amount. Where a family used to get a company contribution of $2000 into our hsa annually, last year is was $1900 and this year it's $1800. Similarly those not on hsa have seen their deductibles go up by exactly $100 and then $200.
So really we have to do all these tests just to keep the same benefit level we had before.
Supposedly this information is not shared with employers, or if it is it's in aggregate and anonymously, like hey half your employees are overweight kind of thing. However I expect privacy laws regarding this to change.
What will happen is insurance companies now have this info, they will use it against employers to raise rates. The employer will turn around and say hey gets you all need to lose weight, but since no individual benefits off their individual achievements but only from the whole, no one will do it. They'll say why am I'm dieting like crazy when Joe over there has mcdonald's every day? So companies will whine to congress and laws will get changed and they'll be able to say hey you have a bmi over 30, thus you pay a 20% premium on your health insurance premiums. They already do stuff like this in Japan and I'm sure other places too.
In the end no consumer will win. To stay at your current level you'll need to be healthy. Anyone considered unhealthy will simply pay more. No one will pay less. Insurers will reap massive profits cus that's corporate america.
Also if you think this sounds nuts, they already do this with tobacco products. If you use any tobacco products my company charges $100 a month flat fee on your insurance.