Promote Healthy Lifestyles in W.Va.
News-RegisterAs we expected, discussion of setting premiums for public employees' health insurance based in part on whether they are overweight generated a substantial amount of controversy. West Virginia Public Employees Insurance Agency officials should continue to look at the proposal, however.
It was reported several days ago that Gov. Joe Manchin asked PEIA officials to look into a North Carolina program in which public employee health insurance premiums are based on part on whether those covered are overweight. Now, Manchin and PEIA officials are insisting that the governor never proposed a "fat tax."
Obviously, he did not. He merely asked the PEIA to check into what is being done in a nearby state.
As Manchin pointed out this week, "We've never proposed penalizing or shaming anyone." The governor has been a strong proponent of healthy lifestyles and of using state programs to encourage them, however.
Obesity often is a factor in health care. Being overweight frequently increases the risk of contracting certain diseases. Insurance companies have found that it often costs them more to pay for the health care of people who have body mass indexes in excess of certain levels. Those are facts, not an attempt to penalize or shame anyone.
Still, the idea that the PEIA should charge higher premiums for obese clients was not greeted favorably.
Now, PEIA officials say they are looking at what they term an entirely different approach - granting insurance discounts to clients who keep their weight within healthy limits. That would provide a financial incentive for healthy lifestyles.
Fine. We think that's a great idea. But, pray tell, what's the difference - other than terminology - in charging obese clients more and charging healthy-weight customers less?
Not all obese people are overweight by choice, of course. Some suffer from genetic problems that make it difficult, sometimes impossible, for them to maintain healthy weights. But PEIA officials are right to be looking at financial incentives meant to encourage healthy lifestyles in regard to weight, smoking and other factors that influence insurance costs - not to mention the quality of life for West Virginians.
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Graysongs
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10-30-09 11:18 PM
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Discouraging homosexuality would do more to promote healthy lifestyles than any of the other stuff combined. Rump riders die young.
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TruthSeeker
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10-30-09 9:55 PM
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YOU currently do, not your...
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TruthSeeker
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10-30-09 9:54 PM
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If you are fat, perhaps you need to "walk about" a bit longer than your currently do...
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walksabout
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10-30-09 12:36 PM
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when I had no job, I came up with a new work concept. I worked for myself. neat and kinda fun.
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walksabout
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10-30-09 12:35 PM
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no excuse. I am fat because I am not strong enough to be what I should be. I can't blame anybody else or search for facts to okay my obeasity.
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walksabout
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10-30-09 12:34 PM
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healthy fat and smoking persons ? hello. a roxyormon for surely.
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walksabout
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10-30-09 12:32 PM
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I have no credit score. I was brought up to believe you crawl befor walking and never buy anything on time. credit is a disease.nothing they sell that plugs into an electrical outlet or goes vroom vroom, is a necessity.Jewelry is a ego trip, make up and designer are learned vices.fashion
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TruthSeeker
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10-30-09 8:01 AM
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More statistics, Ellis.
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Wheeldog
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10-29-09 8:58 PM
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WV has the sad distinction of being one of the unhealthiest states in the union. Huntington is literally the fat capitol of the country. In a relatively small fraction of cases genetics and certain diseases contribute to obesity, but the overwhelming majority of cases are self generated. We all celebrate the freedom to choose, and we should all be willing to live with the consequences of our choices - including the expense of health insurance.
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EllisWyatt
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10-29-09 8:17 PM
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Truth What does one's credit have to do with employment or car insurance rates? Nothing. Yet, employers can now look at your credit and your insurance company can charge you more for premiums if your credit score is low. They claimed that this is a result of a "study" (funded by the insurance industry) that people with lower credit scores tend to have higher claims. Hogwash? Yes. But your credit card company, your insurer and your employer know more about you than the NSA or CIA could ever hope to manage.
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TruthSeeker
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10-29-09 1:34 PM
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DNA as a marker as well. Statistics also show that higher levels of education and income also contribute to longevity and lowered morbidity...so...are the less educated and those of lower income going to pay higher premiums as well?
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TruthSeeker
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10-29-09 1:32 PM
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Since I am a smoker, I an uniquely qualified to comment on the "fat tax". It should be known that North Carolina will also impose higher premiums on smokers not just the overweight. Why? Well, North Carolina is seeking to improve state workers’ health, which they claim saves money in future medical expenses. So raising premiums on the "fat" and smokers is supposed to financially encourage smokers to quit and the overweight to eat less and exercise. In theory, it sounds great. In reality, it is a discrimination lawsuit waiting to happen. What makes a fat person or smoker more likely to use more health insurance benefits? Statistics do. However, there are numerous healthy fat persons and smokers. Genetics play the biggest part in whether or not a person remains healthy. Yes, smokers and the overweight are risks, but it is not their "risky" behavior ie overeating and smoking, that is the sole culprit in their health, it is their genetic makeup. Next you will
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