The Outhouse - The Greatest Comic Book Forum

[The Juan Percenter]

I like the incentive program in Ohio, that the article mentions, much more.

I think Ohio should start a Goodbye Thread.

[MoneyMelon]

I think Ohio should start a Goodbye Thread.

Ohio doesn't know how many houses it has.

[Crump]

Toolverine can send you a pamphlet on how to correctly run off all those calories from that burrito.

it's a trick, he's really just passing out

[Muppetesque]

I don't know the numbers for this specific instance, but I'm curious......will the state be charged less money for people who are at the lowest risk and are at the optimal levels of fitness? Something tells me that there isn't going to be a discount involved.

Not quite how health insurance gets priced.

The insurance company looks at the ages and general health of the employees in the insurance pool. Based on their caulcations they know, on average what the medical costs should be. They then compare the company's payouts made over a previous period of time, to see how they compare to the average. If the company's payouts were more than the anticipated average payouts, the company gets a lower rating and their insurance costs more, per person than average. Similarly, if the companies payouts were less than the average payouts, they get a higher rating and their insurance is discounted.

Having employees with high healthcare costs will force premiums up.

[The Juan Percenter]

Not quite how health insurance gets priced.

The insurance company looks at the ages and general health of the employees in the insurance pool. Based on their caulcations they know, on average what the medical costs should be. They then compare the company's payouts made over a previous period of time, to see how they compare to the average. If the company's payouts were more than the anticipated average payouts, the company gets a lower rating and their insurance costs more, per person than average. Similarly, if the companies payouts were less than the average payouts, they get a higher rating and their insurance is discounted..

They also need to have a higher cash reserve instead of investing the premium money and getting a return.

[Muppetesque]

They also need to have a higher cash reserve instead of investing the premium money and getting a return.

I was trying to keep it simple to explain how the fine is not money in their pocket... but yes. Milton is spot on

[toolverine]

Okay kids, I've got to ride back to work one more time for equipment training. Peace.

[Spidey-Man]

I totally agree with that. There needs to be some sort of program to really help people.

Otherwise, it's basically just the insurance company taking advantage of people and the state.

At my last two jobs, all the info and programs were given to people.

I've seen no visible evidence it has made any difference. People still eat what they want to eat and go home and watch 5 hrs of tv

[The Juan Percenter]

I was trying to keep it simple to explain how the fine is not money in their pocket... but yes. Milton is spot on

Did you work for Prudential too?

[cyphon]

Not quite how health insurance gets priced.

The insurance company looks at the ages and general health of the employees in the insurance pool. Based on their caulcations they know, on average what the medical costs should be. They then compare the company's payouts made over a previous period of time, to see how they compare to the average. If the company's payouts were more than the anticipated average payouts, the company gets a lower rating and their insurance costs more, per person than average. Similarly, if the companies payouts were less than the average payouts, they get a higher rating and their insurance is discounted.

Having employees with high healthcare costs will force premiums up.

I work for a small company, and of my coworkers has two daughters who are on growth hormones, because they are just tiny. That is sending our insurance costs higher.

[C20Percent]

At my last two jobs, all the info and programs were given to people.

I've seen no visible evidence it has made any difference. People still eat what they want to eat and go home and watch 5 hrs of tv

The company I work for offered personal trainers three times a week as a perk, and people were like, "Who the fuck cares?" That program got abandoned pretty quickly.

[Crump]

The company I work for offered personal trainers three times a week as a perk, and people were like, "Who the fuck cares?" That program got abandoned pretty quickly.

wow, I woulda loved that. i need to get back in shape.

[Muppetesque]

Did you work for Prudential too?

No but I am in corporate finance and have with previous companies negotiated with the carriers... I never enter into a negotiation without understanding mechanics.

[Muppetesque]

I work for a small company, and of my coworkers has two daughters who are on growth hormones, because they are just tiny. That is sending our insurance costs higher.

The concept of insurance is about helping employees with cases like this (which are beyond their control). But because costs are getting crazy, the philosophy is shifting to also penalizing folks making poor lifestyle choices (smoking, overcomsumption etc). Free markets, which many of you push daily, at work.

[jeremy]

I missed like 18 pages of this talk, oh well. Can't catch up now.

On one hand I don't see an issue with this. People that are overweight are more likely to have health issues, though to be fair, wouldn't they have to charge anybody that had a condition that made them more likely to have health issues the extra money?

Either way, my insurance charges a higher amount based on your weight vs. height. That bugs me more than anything else. I'm like 5'11" and I have a friend that is 5'11", he looks great at 140, maybe a little skinny. I would be dead at 140--literally. I would think a doctor should be the one to declare someone obese.

And I just was reading an article talking about how some people that are overweight have better health than someone that is skinny.

My friend at 140 is one of the unhealthiest people I know and eats like crap and can't gain weight to save his life. Yet by looking at us, you would probably think he is in better shape.

Plus