Word: plan
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...premiums have increased 131% over the past decade, according to the Kaiser Family Foundation. And it's well documented that smoking and obesity are associated with higher medical costs. That helps explain why 34% of respondents in a new Aon survey of more than 1,300 employers said they plan to introduce or increase financial incentives to encourage participation in wellness programs and why 17% plan to do the same for disease-management programs...
...there's a big difference between handing out gift cards and jacking up people's co-pays. The Tar Heel State in particular has been criticized for using a big-stick approach. Starting in July, state workers who smoke will be moved from the plan that covers 80% of health care costs to one that pays 70%, an out-of-pocket difference of approximately $480 a year, unless they agree to enroll in a smoking-cessation program...
...state will turn its attention to the obese. Workers who have a body mass index (BMI) below 40--e.g., someone who is 5 ft. 6 in. and weighs 250 lb.--can remain in the 80% plan for the first year. But after that, they need to either have a BMI of 35 (5 ft. 6 in., 217 lb.) or enroll in a weight-loss program to qualify for the less expensive plan...
...rather than adopting penalties, is offering discounts on state workers' $70 monthly premiums. To get $30 off for not using tobacco, participants have to sign a form under penalty of perjury. (An audit of relevant medical records could result in back-billing and a recall of claims.) Since the plan started giving such a discount in 2005, it has seen a 4% decline in the number of smokers...
...trying to get across to the population that they have to take responsibility for their well-being and engage in more healthy behavior," says Jack Walker, executive director of the North Carolina State Health Plan. The plan estimates that claims for chronic diseases related to obesity may top $108 million a year and claims for tobacco-related illnesses more than $137 million a year...