It's happening-Health insur surcharges for the overweight

@roger,

Well, "sick days"-payment is done by the employer for six weeks (full salary). After that, the health insurance pays for 72 weeks about 90% of the net-salary.

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@roger,

roger wrote:

The comments on budgets for patients/medications, etc are interesting. I had no idea just how far apart we were.

However, here that leads to even more doctor visits, because you have to go to various specialists to get your prescriptions. (Since "they" noticed that, "they" are changing the rules for the budgets every half year ...)

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@Walter Hinteler,

All Ihave done is to read articles and listening to people who either live in Germany or are Germans. That is were I got the information about Germans have a greater tendency to being hypocratic.
So your sarcastic remark was far out of place.

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@Walter Hinteler,

What I meant is: that older and sicker people go to the doctors more often than young and healthy.

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@saab,

Well, you might be correct.
I've looked it up: there are suggestions that up to 9% percent of the population can have Somatic Symptom Disorder and Illness Anxiety Disorder (the specification of hypochondriasis) now and then.

My bad.

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@Walter Hinteler,

Can you keep a secret?
My form for somatic sympton is that I take for granted it will disappear if I do nothing and get worse if I go to the doctor. As a rule it works.

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This has been on my mind for quite some time.
I feel this is a debatable issue.

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@saab,

As a son of a doctor I've always been told that what comes on itself, will disappear on itself. And for the more serious cases, we've got a Gelonida Wink

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@tsarstepan,

From what I have found with group health plans that I've been involved with, you would not be charged a surcharge with respect to your cholesterol. Besides, there's plenty of scientific evidence that high cholesterol does not necessarily cause health issues and the drugs used to control them have dangerous side effects while being worthless in preventing heart attacks.

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@Linkat,

Companies have been providing financial rewards with regard to their health plans for years and this is not a product of Obama's ACA. Companies who partially or completely self insure have the right to offer incentives to those that choose a healthier lifestyle. This practice is not unlike car insurance plans reducing rates to those that have a safe driver's record. The companies are not denying coverage to smokers or those that are overweight. The companies are providing discounted rates to those that
make healthy lifestyle choices.

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@saab,

The practice of providing incentives via insurance to those that attempt to stop smoking or to lose weight has nothing whatsoever to do with Obama's
plan. Companies have been practicing this long before Obama became president.

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@saab,

Sounds like the single payer system.

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@golmomo,

What a firm is doing is one thing, what the state is doing something else.
The state should do its best for democracy and equality.

Obama represents USA and if he suggests that fat smokers, smokers and fat people should pay more into the health insurance he is paving the road for a two class health system.
Probably a three class system. To be fair a fat smoker should of course pay twice as much as a smoker or a fat person.

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@saab,

saab wrote:

To be fair a fat smoker should of course pay twice as much as a smoker or a fat person.

Just think how many fat NFL football players there are. We'll have to step up to the plate and really tax these fatties... Sounds ridiculous doesn't it?

That's because it's a dumb idea.

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@golmomo,

golmomo wrote:

Besides, there's plenty of scientific evidence that high cholesterol does not necessarily cause health issues ...

Nonsense. Name the "scientific journals you're quoting from.

LDL levels way high above normal aren't healthy. However, if the total cholesterol level is too low, numerous neurological problems may develop. Makes sense, doesn't it?

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@saab,

Don't you agree that a more heathy lifestyle leads to lower health care costs?

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@ossobuco,

Quote:

don't want forced learning to save insurance companies money.

Why not? Won't that lower premiums for the insured? Isn't it in everyone's benefit to lower costs?

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@BillRM,

Quote:

Let see I used to skydive and fly ultralight aircrafts for fun so I should then had pay more for insurance?

How about mountain climbers of motorcycle riders or ................

If you allow insurance firms the power to dictate by way of cost what you can and can not do be it your weight or your hobbies your smoking or drinking there is no end to how far they can invade your private life.

They are not telling you how to live, but if that causes higher risk, it will increase costs. I ride motorcycles and pay for medical coverage.

You're missing the basic concept of risk. Higher risk raises insurance costs. This has always been the case and has nothing to do with Obama care.

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@IRFRANK,

I'm all for learning, I don't like the forced joining of programs that by nature cost a lot and are fairly often off the mark, more the most recent generalization than what may be medically wise.

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@IRFRANK,

IRFRANK wrote:

Why not? Won't that lower premiums for the insured? Isn't it in everyone's benefit to lower costs?

Sure it's to everyone's benefit, but only if everyone's premiums are lowered.

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It's happening-Health insur surcharges for the overweight

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