A Healthy Option for Small Businesses in 2011
Thursday, December 30, 2010
We all look forward to paying rising healthcare premiums as enthusiastically as eating that leftover holiday fruitcake your aunt brought over. With that in mind, BSBSRI is taking steps to try and improve coverage for Rhode Islanders while rewarding healthy living. Here are some of the highlights of this new plan option:
Incentives – The plan offers $2 copayments for certain drugs used to treat diabetes, asthma, and chronic obstructive pulmonary disease. They also offer a $50 incentive (available to both subscriber and spouse) for completing a wellness pledge and an online health assessment. Sounds like easy money.
Promotion of Healthy Lifestyle – Full coverage for programs that help you lose weight, give up smoking, and learn to better manage conditions like asthma and diabetes.
Prescription Drugs – Full coverage for certain generic over-the-counter preventive medications when you have a prescription.
Deductible Options – BCBSRI plans will all have deductibles going forward. They will be aggregating family deductibles together, and one family member will never exceed the individual deductible.
If we are ever going to stem the rising cost of healthcare, incentivizing employees to avoid certain risks is a good place to begin. So start those healthy New Year’s resolutions, because it might just pay off on your health insurance premium next year.
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