Health Insurance Wish List

I’ve seen health insurance from all sides now: as an employee and as a self-insured sole proprietor; fully insured, underinsured and briefly uninsured. Believe me, uninsured is not something I wanted. At the time, a quarter of my income or more went out to health insurance even though I was healthy by any definition.

Our health system is evolving and maybe someday no one will need to be uninsured or underinsured again. In the meantime, if I could wave a magic wand and have anything I wanted in my health insurance, I would have:

  • More preventative care
  • Dental and vision coverage
  • Mental health coverage
  • Visiting nurse visits for children, those with handicaps or older people who have trouble getting to the doctor’s office

Yes, they’re expensive programs but that’s my wish list. What’s on your wish list? Share your ideas here or on LinkedIn at Let’s Talk Health Care.

Disclosure: I’ve partnered with Harvard Pilgrim on this sponsored post. However, the thoughts and opinions expressed are my own. You can find more ways to be well at HarvardPilgrim.org/CountUsIn and Let’s Talk Health Care.

 

Workplace Incentives for a Healthier Life?

As a recent discussion on LinkedIn showed, there’s a strong resistance to employers involving themselves in the health of their employees by providing negative incentives, such as charging more for insurance if the employee is engaging in unhealthy behaviors. But positive incentives do receive support. Which of the following incentives would you accept or consider at your workplace?

  • Computer programs that prompt employees to get up a stretch
  • Onsite gym
  • Healthy choices in vending machines or lunch areas
  • A regular exercise break
  • Information, such as health tips in the company newsletter
  • Competitions that focus on health issues (for example, rewards for walking a given distance each week)
  • A company athletic team

Do you have other suggestions? Let us know what you think at Let’s Talk Health Care.

Disclosure: I’ve partnered with Harvard Pilgrim on this sponsored post. However, the thoughts and opinions expressed are my own. You can find more ways to be well at HarvardPilgrim.org/CountUsIn and Let’s Talk Health Care.