Insurance companies charge high premiums, co-pays and deductibles for health insurance that will finally allow you to see the doctor. Once your preventative care or routine medical visit results are in, you may be happy to have health insurance because of the fact that you can see a physician who will hopefully assist you in the goal of being healthy. But, even with today's difficult times, we don't ask ourselves this question about health insurers: why is it that health insurance companies don't provide health incentives to the many member's/subscribers of health insurance- who have managed to maintain decent health? I don't think this is a lot to ask. There are many, many people who spend lots of money on their healthcare and aside from doing what their physicians ask them to do, these people never see a good health incentive check as a result of having a good medical evaluation.
If there were such a program as a good health incentive how would it work?
Let's say patient named Ms. Obsession, who has a copy of all of her medical records and sees her physician on a regular three month basis. Ms. Obsession takes all of her medications and follows the orders of her doctors. She gets her necessary yearly exams and exercises and maintains a healthy diet. Since she is in her 60's, Ms. Obsession has been really watching her health and taking note of problems due to aging. Ms. Obsession's three month exam results revealed that her cholesterol and other lab results were normal and that she should continue her medications. Her blood pressure was not found to be high as she attributed this to the yoga classes she began taking afterwards of diagnosis. Ms. Obsession's physician was pleased to find that Ms. Obsession took such an interest in her health because when she did she was not as ill and visiting the doctors office every week. However, Ms. Obsession's noticed that her monthly premiums would increase each year despite her overall good health. She was angered over the fact that her health insurance of Medimoney did not give their members incentives or discounts that could be applied to a deductible if not already met, or perhaps even co-pays or to even reduce a monthly premium. Ms. Obsession contacted her insurer of Medimoney and suggested that such an incentive be offered, since there were many patients who followed the orders of their physicians remained healthy and required less medications or there was no medication increase to due the change in diet and lifestyle. The customer representative at Medimoney was not happy because she stated that "People in her position don't exactly walk away with the loot due to the high premiums the company charges. It's usually the executives that make most of the money and that she would provide this information to someone who could possibly consider this." Several months later due to other Medimoney members urging such good health incentives, Medimoney began sending checks to people based on the information they received regarding a patient's health or the fact that they did not need to see a physician for visits not related to the usual routine visit. Every six months Medimoney reimbursed between $50-$100 to individuals and families for what they called good health incentive reimbursements. This was either because patients required fewer visits to a physician for cholesterol or blood pressure problems and the fact that they did not get sick as much due to colds, flu, pneumonia ect. due to preventative care. Once the good health incentive was implemented people began to take note of their health and took care of themselves or made an effort to due to the reimbursement incentive offered. This was great. An insurance company finally decided to reward it's members with a financial incentive for good health and less visits to a physician.
This is what was needed to help somewhat to defray the cost of medical insurance and Ms. Obsession was happy she suggested it to her health insurer of Medimoney.
Good health can be rewarded not only by results but by incentives. The good health incentive program- it just makes good sense!