Obese govmt employees charged fee

LauraMax

Cathlete
I'm not sure how I feel about this. On the one hand, I like the idea of an incentive to lose weight--it WILL save the taxpayers $$$ in the long run. On the other hand, there is a difference between incentive & punishment. Obesity is, after all, classified as a disability.

Alabama hits obese workers with fee

State employees who don't try to lose weight will have to pay part of their health insurance premiums. It may sound heavy-handed, but the workers' lobbying group is not complaining.
By The Associated Press

The state of Alabama has given its 37,527 employees until 2010 to start getting fit -- or they'll pay $25 a month for insurance that otherwise is free.

Alabama will be the first state to charge its overweight workers who don't try to slim down, while a handful of other states reward employees who adopt healthful behaviors.

Alabama already charges workers who smoke -- and has seen some success in getting them to quit -- but now has turned its attention to a problem that plagues many people in the Deep South: obesity.

The State Employees' Insurance Board earlier this month approved a plan to charge state workers starting in January 2010 if they don't get free health screenings.

If the screenings turn up serious problems with blood pressure, cholesterol, glucose or obesity, employees will have a year to see a doctor at no cost, enroll in a wellness program or take steps on their own to improve their health. If they show progress in a follow-up screening, they won't be charged. But if they don't, they must pay starting in January 2011.

"We are trying to get individuals to become more aware of their health," said state worker Robert Wagstaff, who serves on the insurance board.

Not all state employees see it that way.

"It's terrible," said health department employee Chequla Motley. "Some people come into this world big."

Computer technician Tim Colley already pays $24 a month for being a smoker and doesn't like the idea of another charge.

"It's too Big Brotherish," he said.The board will apply the obesity charge to anyone with a body mass index of 35 or higher who is not making progress. A person 5 feet 6 inches tall weighing 220 pounds, for example, would have a BMI of 35.5. A BMI of 30 is considered the threshold for obesity.

The board has not yet determined how much progress a person would have to show and is uncertain how many people might be affected, because everyone could avoid the charge by working to lose weight.

But that's unlikely. Government statistics show Alabamans have a big weight problem. According to the Centers for Disease Control and Prevention, 30.3% are now obese, ranking the state behind only Mississippi.

E.K. Daufin of Montgomery, a college professor and founder of Love Your Body, Love Yourself, which holds body acceptance workshops, said the new policy will be stressful for people like her.

"I'm big and beautiful and doing my best to keep my stress levels down so I can stay healthy," Daufin said. "That's big, not lazy, not a glutton and certainly not deserving of the pompous, poisonous disrespect served up daily to those of us with more bounce to the ounce."

A recent study suggested that about half of overweight people and nearly a third of obese people have normal blood pressure and cholesterol levels, while about a quarter of people considered to be of normal weight suffer from the ills associated with obesity.
No intent to punish
Walter Lindstrom, founder of the Obesity Law and Advocacy Center in California, is concerned that all overweight Alabama employees will get is advice to walk more and to broil their chicken.

"The state will feel good about itself for offering something, and the person of size will end up paying $300 a year for the bad luck of having a chronic disease his/her state-sponsored insurance program failed to cover in an appropriate and meaningful fashion," he said.

William Ashmore, executive director of the State Employees' Insurance Board, said the state will spend an extra $1.6 million next year on screenings and wellness programs but should see significant long-term savings.

Ashmore said research shows someone with a body mass index of 35 to 39 generates $1,748 more in annual medical expenses than someone with a BMI of less than 25, which is considered normal.

According to the National Conference of State Legislatures, a few states offer one-time financial incentives for people pursuing healthy lifestyles. Ohio workers, for instance, get $50 for having health assessments and another $50 for following through with the advice.

Arkansas and Missouri go a step further, offering monthly discounts on premiums for employees who take health risk assessments and participate in wellness programs to reduce obesity, stress and other health problems.

Alabama's new policy is drawing no objection from the lobbying group representing state workers.

Mac McArthur, the executive director of the Alabama State Employees Association, said the plan is not designed to punish employees.

"It's a positive," he said.
 
I think its a good idea in theory, but possibly not in the execution of the idea. That being said, it costs everyone else to insure the higher risk people with a rise in premiums overall. I'm not sure I want to pay everyone else's higher rates, so in that respect it is a good idea. Maybe the smokers who are fined with higher rates can use their cigarette money to fund the ins and help them stop. Same with the obese people - stop spending those funds on junk and put it to the ins. They wouldn't be out any money. I do have more to say here, but I have to work now. I will come back and finish later

Nan
 
Well, I know from once being very obese myself, I would deserve something like this.

A wellness program with nutritional information would be a good place to start for everyone...even the skinny folk cuz some of them aint to healthy either.

I think, I know this is true for myself...I honestly didn't know about nutrition. They didn't teach it in school and my family was so dysfunctional that I didn't learn it there either.

School also didn't teach me to like gym either. I hated Kick ball, I'm blind in one eye for crying out loud...who wants a ball being kicked, batted, or thrown at you at high speeds...especially when you couldn't see it.

I didn't mind basket ball...that was kind of fun...line dancing, that was super fun, dance class that was fun too! But for craps sake, if kids are afraid of a flying ball, don't MAKE them participate...find something they'll enjoy because doing stuff you hate doesn't encourage anyone fat or thin to get off their rump and move.

I was truly shocked and happy that I found exercise fun and enjoyable in my late 20's...Sure would have been better to discover it earlier.

My sister tells me all the time she wants to loose weight...she's excessively obese with a rod in her back. She say's she walks and this and that...I've scene her walk...I walk at the mall faster than that...she said she watches what she eats...Yeah...she hasn't learned portion control.

It's about education...but you can lead a horse to water and make him drink...he has to want to drink the water.

25 a month for insurance is really not bad...concidering I was paying nearly 300 a month for a policy for myself...

Ok...rambling...sorry...

I'll stop now...
 
If I read the article right, it will only charge those employees not making an attempt. They don't know yet what signs of making progress will be. I think a lot of employers are doing this. As an "obese" person, I don't think it is fair for me personally because I do not have any health issues related to weight. I have normal BP, cholesterol, sugar levels, etc. I work out like crazy (obviously, if I am on Cathe's website) but just can not get the eating part down. I do not generate excess cost so why should I pay more? However, on a global scale, I understand us fatties do contribute to upward spiraling health costs. In that case, I think it makes sense for obese individuals who aren't even making an attempt to lower their risk for certain illnesses.

My only concern is where does it stop. Smokers have been targeted. Now it is the obese. Should drinkers be targeted? How about those who participate in risky hobbies (i.e. mountain climbing)?

Carrie
 
"Some poeple come into this world big"-- are you kidding??? please-- no-one-- NO ONE can justify carrying an extra HUNDRED pounds or blame it on genetics!

In all honesty, I think the idea of making poeple that obese (35% is in fact, a huge number) that do not care (ie: make no progress) pay for some of their own insurance-- then maybe people like me will be able to afford it someday.

When you think about how many insurance claims are for weight-related purposes and medications I don't see where this would be unfair. The solution is pretty simple--do something.. stop eating mama's home-cookin', stop with the "im not going to deprive myself" or the "my man like big women" or "real men look like this" theory of excuses.

Woops.. sorry if I got out of hand, I apoligize if I offended anyone, but I take obesity and its direct relationship to health insurance (which, i do not have by BTW) very seriously (you know.. how they started kicking people off flood insurance when all the threats of floods arouse??)

:)
 
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I think this is a great idea. It is so absurd when people say they are "big boned" and can't lose weight, that is simply not true!! Plus it is not like they aren't giving heavier people options. It say that if they participate in assessments and wellness programs, they can receive monthly discounts. I think people will just be upset that they actually have to be accountable for themselves.
 
I agree with this in theory, but I don't know how this will pan out in the end. I was really surprised to read this in the paper a month or two ago. I know a lot of places of employment are encouraging employees to take control of their health. My company is one of them.
Beginning January 1st, all smokers at my company will have their insurance premiums increased by 15%. However, my company is paying a lot of money for cessation programs at no charge to the employees and their spouses, which includes over the counter meds and support groups.

Unfortunately, I think that this may be the only way for some people to take control of their own health. Funny how messing with someone's pocketbook could have so much control.
 
Most people I know with risky hobbies can not get Life insurance...or health insurance...

A lot of race horse jockeys have to be insured throw worker comp so that they will be covered if they fall, not for every day medical...and most of that is threw that jockey club...which some business man stole from a couple years ago and it jacked up the fees for trainers who are struggling in the industry already...So, when a horse stumbled coming out of the gate a few years and broke his neck, his family had to really suffer to make ends meet. Luckily there was a caring bunch that donated funds but it is never enough...and he'll never work. This is a job.

Truck drivers in alaska...the ones that do the ice roads...they can't get coverage either...no matter how much they pay.

Alcoholics -- If you met my mother...Hell yeah...if she could get insurance...make her pay more.
 
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This isn't life insurance this is health insurance. Just as teenage drivers have to pay more for car insurance, riskier prospects are starting to have to pay more for health insurance.

ITA with the alcoholic mother thing. However, my mother does have health insurance and we are all paying for it - Medicaid!!

Carrie
 
I would rather see incentive programs that reward those who take steps to be more healthy than programs that punish those who do not (you know carrot vs. stick). But I think it's a reasonable step to take. $25 a month is not a lot. Ultimately it is the Alabama taxpayer who is paying for their healthcare since they are government employees. I bet many people in the state of Alabama wish they only had to pay $25 for health insurance.

My company has some great incentive programs that allow us to earn money for non-covered health expenses when we take health assessments, commit to exercise programs, etc. It's up to $300 a year which is nice.
 
My mom is 12 years away from Medicaid...

My mom isn't retirement age (Medicare) but gets Medicaid because, supposedly, she can't work because of personality disorders. Ummm...could they be caused by the drinking:rolleyes:. Anyhoo - sorry I took that onto a different track! People who abuse the public welfare system is a whole nother tangent I could go off on!

Carrie
 
My mom isn't retirement age (Medicare) but gets Medicaid because, supposedly, she can't work because of personality disorders. Ummm...could they be caused by the drinking:rolleyes:. Anyhoo - sorry I took that onto a different track! People who abuse the public welfare system is a whole nother tangent I could go off on!

Carrie

Medicare is for elderly and everyone qualifies after a certain age. Medicaid is for the disabled and elderly who are very poor. You can't own anything of value (house, car) to qualify for medicaid.
 
Our insurance company gives discounts for healthy living. They take points off for untreated high blood pressure, obesity, high cholesterol, sedentary life style. We have to take a physical every 2 years, dental cleanings every 6 months to qualify for discounts. My husband and I save $100 a month for clean living:D
 
Medicare is for elderly and everyone qualifies after a certain age. Medicaid is for the disabled and elderly who are very poor. You can't own anything of value (house, car) to qualify for medicaid.

Unfortunately, that makes a nice big loophole for people like my mom to walk through. You can't own anything of value in your own name. I think you might be able to own a car. She has a car (YIKES) and it is in her name.

Carrie
 
Unfortunately, that makes a nice big loophole for people like my mom to walk through. You can't own anything of value in your own name. I think you might be able to own a car. She has a car (YIKES) and it is in her name.

Carrie

Carrie,

My mom was boderline poor at the age of 78. What made her poor was that she had to spend $1,000 a month to supplement her medicare coverage. Her medicine cost another $800 a month. Her retirement income was $1200. She didn't qualify for medicaid help because she owned a condo worth $50,000. She charged her medicine every month. My husband and I were getting ready to buy her condo from her (let her continue to live in it for free) just so she could qualify for some help. She passed away before we finalized the sale.
She is one who fell through the cracks.
Our system works for the wrong people!!!!
 
Carrie,

My mom was boderline poor at the age of 78. What made her poor was that she had to spend $1,000 a month to supplement her medicare coverage. Her medicine cost another $800 a month. Her retirement income was $1200. She didn't qualify for medicaid help because she owned a condo worth $50,000. She charged her medicine every month. My husband and I were getting ready to buy her condo from her (let her continue to live in it for free) just so she could qualify for some help. She passed away before we finalized the sale.
She is one who fell through the cracks.
Our system works for the wrong people!!!!

Don't I know it. My Gram, who will be 89 in October, is in a nursing home. She owns her home, although no one is currently living in it. Her Medicare for the nursing home pays next to nothing. Her savings, which she worked so long and hard to accumulate, is dwindling to nothing so she needs to go on Medicaid. The worst of it is, you aren't supposed to have assets for xx number of years so she still might not qualify:(.

Carrie
 
what on earth kind of medications do elderly people (or anyone for that matter) need that costs $800 a month??
Ive always wondered what went into those "weekly pill planner" containers.. yikes that seems crazy.. im lucky if I even make that in a month with the economic depression and all..
 
Don't I know it. My Gram, who will be 89 in October, is in a nursing home. She owns her home, although no one is currently living in it. Her Medicare for the nursing home pays next to nothing. Her savings, which she worked so long and hard to accumulate, is dwindling to nothing so she needs to go on Medicaid. The worst of it is, you aren't supposed to have assets for xx number of years so she still might not qualify:(.

Carrie


My mother survived an aerotic aneurysm and had a tracheotomy that needed 24hr care. I couldn't bring her to my home because I just couldn't care for her round the clock. I cried my eyes out when I saw what is available for average income seniors.
You have to be extremely wealthy or extremely poor to get decent care. Everyone in the middle gets nothing.

God spared our family. My mother died before they moved her to nursing care.
I honestly don't think I could live with my mother in one of those places.
 

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