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Are insurance companies finally figuring it out??

Saturday, November 05, 2011

My husband's company and their insurance company have finally figured out that it saves money to pay for preventive care! Last year they had a wellness program whereby if the employee participated in a Wellness Assessment, they would reimburse them $100 on the employee's share of the insurance premium. This past year, they extended that offer to another $100 reimbursement if their covered spouse participated in the Wellness Assessment. They have just announced the incentive plan for 2012, which is that if the employee goes in and has a complete physical, they reimburse $150 on the premium; and another $150 if the spouse has a physical. I have been having an annual physical for about the last 6 years, but you know how hard it is to get a man to go in for a physical????? Well, if this is the incentive that it takes, I'm all for it! Also, the company pays for 100% of the doctor fee for a physical, my share of the cost of the lab work and X rays (including PAP and mammogram, blood sugar, cholesterol, etc.) is less than $100. For so long insurance companies have been denying this type of coverage on preventive medicine, and only paying when disaster strikes! It's good to know that in this day and age of knowing that early detection is the key to so many illnesses, that we are getting encouragement and incentive to get the annual checks. I am so thankful that his company has such an affordable health care/insurance plan when there are so many who simply can't afford even the insurance coverage, much less the cost of health care. And so I thank CIGNA for becoming more wellness based, and to my hubby's company for providing reasonably priced insurance benefits to its employees!
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Member Comments About This Blog Post
    Also, on this note, check and see with your insurance carrier if they will reimburse you $20.00 per month to go to a fitness facility. When I lived in Minnesota and had blue cross, they would pay this! They also finally realized that if you went to a gym and got healthier, you would be less of a burden on them too. Talk about them getting with it huh?
    2666 days ago
  • 44ANGEL
    My husbands employer has the same thing. I get monthly newsletters for wellness programs, discounts, FREE screenings, etc...A person sure doesn't want to pass up on those kinds of benefits. I think if more insurance companies "follow suit" there would be less health problems. People could afford to go for physicals, etc...For what we pay for out of pocket and premiums, more should be offered ans a lower rate!
    2692 days ago
  • GATOR12
    You are so right to be appreciative to your insurance and thank heavens some of them are realizing the people who spend time preventing health issues SHOULD be rewarded. If you can believe the hospital I work for, their insurance has stopped their wellness program. The insurance used to reward with lower premiums for those who did not smoke and were in an active exercise program (you logged and turned in sheets stating a minimum of 600 min per month of cardiac) I guess thay didn't think it worth it to themor us!! But the ones who are gonna do it will still continue but I think they should be rewarded--NOT JUST THE INSURANCE CO.
    2696 days ago
    My husband and I are both independent insurance agents, barely able to make a living anymore because of Washington. You have no idea how blessed you are! Keep working, and keep your insurance! We have to buy our own and it is EXPENSIVE! emoticon
    2696 days ago
  • MRE1956
    2696 days ago
    BRILLIANT MN! more companies should follow suit!
    2696 days ago
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