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Editorial: Unhealthy health plan

Wednesday, June 3, 2009
(Updated 3:00 am)

You'd better sit down. This isn't good news.

On second thought, don't sit. You're doing too much of that already.

A newly released report card on the health of North Carolinians says we eat too much and exercise too little.

We as a group tend to be more obese than the national average. The rate of obesity among young people here is the fifth-worst in the country.

And we die two years sooner than the average American.

Small wonder we didn't make the Dean's List in the annual report card issued last week by N.C. Prevention Partners, which has tracked the state's collective well-being since 1998.

So a revamped State Health Plan that charges lower premiums for healthier employees would be a good thing, right?

Not exactly.

The revisions to the plan were added to legislation recently passed by the state House and Senate that keeps the program afloat.

There might be good intentions tucked amid all the nonsense in this bill. But they're not easy to find.

The plan, which affects 667,000 North Carolinians, emphasizes punishment over rewards and will be difficult, if not downright impossible, to administer.

The plan essentially places the burden on the employee to provide evidence that he or she and every family member are not overweight and do not smoke.

Here's how it works: All current state workers automatically will be enrolled in what is called the "basic plan," which charges the higher premium.

They will have to prove that they deserve to be reclassified into the less-expensive tier, called the "standard plan."

Effective in 2010, the plan will banish every member of an insured family into the more expensive plan if even one family member smokes.

If someone dares to sneak a cigarette after being enrolled in the cheaper plan or dares to lie about a smoking habit, there will be consequences.

The state will conduct random blood tests as well as smoking tests with a device called a "Smokerlyzer."

Effective in 2011, the plan will similarly penalize with the higher rates those found to have higher body mass indexes than the state allows.

What defines being overweight, according to the state? We don't know yet. It will be based on a "range determined by the Plan," the legislation says.

The problem isn't the principle. The state is right to incorporate wellness incentives into health coverage for its work force. Too often, health care has focused too much on treating illnesses rather than preventing them.

Another rationale for the revised plan was to save money, but even its cost-effectiveness remains open to question.

This plan is invasive, cumbersome and impractical, and it prefers the stick to the carrot. It is not only excessive, it is ridiculous.

Comments

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Get A Clue

June 3, 2009 - 7:12 am EDT

"This plan is invasive, cumbersome and impractical, and it prefers the stick to the carrot. It is not only excessive, it is ridiculous."
Perhaps if you added more carrots to your diet, you wouldn't need a stick. I'm just sayin'. ;-)
Your one-sided reporting calls into question your veracity regarding the details of such a plan. Perhaps the details have yet to be ironed out. However, a simple mandated physical (including standard bloodwork and stress test) covered at least 90% by the plan should be all that is necessary to determine which bracket an employee/family member(s) should be placed in.
Healthy people should pay less for coverage. People who have conditions well within the range of diet and exercise should pay significantly more, since they are quite capable of making the necessary changes. Pre-existing conditions and illnesses not directly related to a sedentary lifestyle are a bit trickier, but could justifiably be spread among all program participants since one never knows where and when such illnesses will strike next.
Likewise, a sound program will spread the costs of preventative health care (such as colon cancer screenings, PAP screenings) but penalize those with higher premiums who fail to take advantage of paid preventative measures.
In other words, stop blaming your 'glandular problem' or claiming you're 'big boned' on anything but your inability to stop gorging yourself. And stop insisting healthy people pay for your gluttony.

Adam Linker

June 4, 2009 - 11:57 am EDT

Get a Clue, as someone who was at every committee meeting and hearing in the General Assembly about the State Health Plan let me assure you that the details have been ironed out and the N&R's description of the legislation is accurate.

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