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!