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Why? Why do people think it’s good for insurance companies to know as little as possible? How does that improve healthcare?
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I have a really hard time believing an insurance company is going to require a perfectly healthy person to provide information on what they eat, what they weigh, what pills they take (I’m assuming a perfectly healthy person isn’t taking pills). I don’t know what insurance you have but my insurance is nothing like that. The only people who would be required to do anything like that are people who specifically signed up for a weight loss program. My insurance company has a fit program where basically you can buy down your deductible just by meeting certain daily walking goals. They don’t offer it to us corporate employees yet but when they do I’ll be one of the first to sign up. Getting cheaper insurance for something I do every day anyway? Sign me up.


I am also dubious. There must be something more going on. What insurance company could afford to pay, and would be insane enough, to pay nurses to track and call everyone, especially healthy people, every week to discuss their health and then update file, etc.? Pick any med or large employer and think of how many nurses you would need to have employed to be trading phone calls back and forth between every employee and a nurse on a weekly basis. Not happening.
 
So confused...we have Aetna...but I see no upside for the customer...only for the insurance company. They aren’t even giving me the Apple Watch to use with it? I would still buy my own Apple Watch to avoid sharing my info with them...but seriously... where is the benefit to having this app?!
 
Why? Why do people think it’s good for insurance companies to know as little as possible? How does that improve healthcare?
[doublepost=1548772576][/doublepost]
I have a really hard time believing an insurance company is going to require a perfectly healthy person to provide information on what they eat, what they weigh, what pills they take (I’m assuming a perfectly healthy person isn’t taking pills). I don’t know what insurance you have but my insurance is nothing like that. The only people who would be required to do anything like that are people who specifically signed up for a weight loss program. My insurance company has a fit program where basically you can buy down your deductible just by meeting certain daily walking goals. They don’t offer it to us corporate employees yet but when they do I’ll be one of the first to sign up. Getting cheaper insurance for something I do every day anyway? Sign me up.
It's a a self-insured (self-funded) health plan in a larger company administered bu United Healthcare (but before that it was CIGNA). The employer obviously has an interest to lower health care expenses and I fully support that concept. So they contract a third party company to motivate employees to live healthier. I fully support that as well. However you have to opt out and pay a lot or sign away your privacy and get nagged all the time. I guess the third party nurses have to fulfill a certain quota of calls and contacts and they did. It changes from year to year depending what the companies plan is. The concept is fine but I do not know where my heath data end up. Who says the third party doesn't subcontract further.....
[doublepost=1548784715][/doublepost]
I am also dubious. There must be something more going on. What insurance company could afford to pay, and would be insane enough, to pay nurses to track and call everyone, especially healthy people, every week to discuss their health and then update file, etc.? Pick any med or large employer and think of how many nurses you would need to have employed to be trading phone calls back and forth between every employee and a nurse on a weekly basis. Not happening.
It was something similar along that line (http://www.totalcarewellness.com/wp-content/uploads/2016/01/TCW-Sales.pdf). Or see http://healthadvocate.com/_mobile/downloads/communications-pdfs/b2b/wellcoachwcflyer.pdf. The have outbound calling programs. We had tons of those coaches for everything and yes they call you a lot. By signing up without reading the fine print I somehow released my info to them. My fault but I won't join this again. This shows you how much employers are willing to do (which is a good thing if done well because overall it helps people. My concern is really only the loss in privacy).
 
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Why? Why do people think it’s good for insurance companies to know as little as possible? How does that improve healthcare?
[doublepost=1548772576][/doublepost]
I have a really hard time believing an insurance company is going to require a perfectly healthy person to provide information on what they eat, what they weigh, what pills they take (I’m assuming a perfectly healthy person isn’t taking pills). I don’t know what insurance you have but my insurance is nothing like that. The only people who would be required to do anything like that are people who specifically signed up for a weight loss program. My insurance company has a fit program where basically you can buy down your deductible just by meeting certain daily walking goals. They don’t offer it to us corporate employees yet but when they do I’ll be one of the first to sign up. Getting cheaper insurance for something I do every day anyway? Sign me up.
Are you that naive?
 
I know it doesn't work like this but can you imagine:

"Oh you're extremely active let's raise your premiums"

or


"You're not active at all let's raise your premiums"
 
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