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rogers park bryan
PostPosted: Mon Apr 08, 2013 3:23 pm 
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Douchebag wrote:
rogers park bryan wrote:
Douchebag wrote:
TurdFerguson wrote:
My company tacks on $800 a year to health insurance for smokers. Yet somehow doesn't impose a penalty on cigar smokers. Being a cigar person I am thankful, but there are no tests. I have no clue how they enforce other than the honor system.

I can easily see this spreading into obesity and blood pressure screens for employers.

All health insurance premiums should be based on preventable things by the insured. You have higher insurance premiums if you are a poor driver, and you should have higher premiums if you live an unhealthy lifestyle.

How many choices are you willing to let your employer make for you?

It just doesn't make any sense for someone living a normal healthy life to pay as much for insurance as someone who is over 500 pounds with heart disease and high cholestrol. If I was a reckless driver, I wouldn't expect to pay as little for insurance as someone with no tickets or accidents ever.

It doesnt make any sense that medical care is so expensive no one can afford it, but here we are.


I see your point, I just think its a slippery slope.
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Rod
PostPosted: Mon Apr 08, 2013 3:24 pm 
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Douchebag wrote:
rogers park bryan wrote:
Douchebag wrote:
TurdFerguson wrote:
My company tacks on $800 a year to health insurance for smokers. Yet somehow doesn't impose a penalty on cigar smokers. Being a cigar person I am thankful, but there are no tests. I have no clue how they enforce other than the honor system.

I can easily see this spreading into obesity and blood pressure screens for employers.

All health insurance premiums should be based on preventable things by the insured. You have higher insurance premiums if you are a poor driver, and you should have higher premiums if you live an unhealthy lifestyle.

How many choices are you willing to let your employer make for you?

It just doesn't make any sense for someone living a normal healthy life to pay as much for insurance as someone who is over 500 pounds with heart disease and high cholestrol. If I was a reckless driver, I wouldn't expect to pay as little for insurance as someone with no tickets or accidents ever.


The nature of insurance is that it spreads out the risk. That's the whole point. If we're going to do what you suggest, there is no need for insurance at all and each man should self-insure.

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Douchebag
PostPosted: Mon Apr 08, 2013 3:25 pm 
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rogers park bryan wrote:
It doesnt make any sense that medical care is so expensive no one can afford it, but here we are.

Also true.

But if we're going to stick with this crap system we have, I don't feel like subsidizing the impending health crisis of very fat america.

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Douchebag
PostPosted: Mon Apr 08, 2013 3:26 pm 
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Joe Orr Road Rod wrote:
The nature of insurance is that it spreads out the risk. That's the whole point. If we're going to do what you suggest, there is no need for insurance at all and each man should self-insure.

So I should pay the same price for my car insurance as someone with 5 DUI's and a bunch of accidents?

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doug - evergreen park
PostPosted: Mon Apr 08, 2013 3:57 pm 
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Why anyone would admit personal habits to doctor, insurance company, or employer is beyond me.

have to take a blood test? quit whatever you are doing for a month...

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Nas
PostPosted: Mon Apr 08, 2013 6:50 pm 
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doug - evergreen park wrote:
Why anyone would admit personal habits to doctor, insurance company, or employer is beyond me.

have to take a blood test? quit whatever you are doing for a month...


Most companies have you do it before you start working. If you lie to an insurance company to get a non smokers rate and or lie about a preexisting illness and you die because of it your family will be screwed all because you wanted to save a few extra dollars a month. The insurance company will return the premium you paid and it's unlikely that will cover any expenses.

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