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Recent Wellness Program questions

After taking a health assessment test at work. My employer

After taking a health assessment test at work. My employer has deemed me high risk for insurance. They now want me to pay additional money on previous months premiums. My question is are they aloud to increase my premiums on those months prior to my health test assessment.

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John

Attorney

Doctoral Degree

7,480 satisfied customers
If I chose not to participate in my employer's wellness

If I chose not to participate in my employer's wellness program, how much more can I be charged for coverage? Is there a cap on the percentage of the difference?

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John

Attorney

Doctoral Degree

7,480 satisfied customers
My employer changed t Health Insurance provider to Paradigm

My employer changed t Health Insurance provider to Paradigm Health Plan. The insurance imposed a mandatory blood work. The blood will be drawn by the insurance medical staff at the work place to detect "46 critical health factors". It is described as a Wellness Program with no indication of any incentives such as reduced cost gym etc., only free pens or towels for participation. The insurance plan does not want to accept any recent blood work results insisting that the it has to come only from "their" lab. There is nothing in writing given out that would describe the consequences of not participating in the blood test but the HR manager and the Executive Director at my work said that "you will be dropped from the health insurance plan". In spite of me having no health problems and good recent blood work results, my concern is that allowing any health insurance company unrestricted access to results of blood work, not even knowing what tests will be done, gives the insurance unlimited power to use that information in any way is convenient for the provider or the employer with me having no control over the extend how the information may or will be used, which violates HIPPA and American Disability Act. Is the mandatory blood test in compliance with existing law?

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John

Attorney

Doctoral Degree

7,480 satisfied customers
I work company who has partnered with humana vitality a

I work for a company who has partnered with humana vitality a wellness program. You are supposed to answer a questionnaire and set goals. You start at bronze and go up to silver , gold ect. Most programs offer incentives to make goals make points to get things. My company started out saying if you do not participate you will pay and extra 10 dollars each pay day for insurance. 20 dollars a month . If you do not make your goals you will pay 20 dollars a month till you make it. We had until sept first to make the goals. Not enough people wanted to do this so now this week it came out we will pay 54 dollars a month for not participating and not making goals. To me this is financial coercion. We have people like me 59 post menopausal will not make goals as easy as 20 year olds. I have extra stress also with father trying to care for and outside commitments, it is hard to find time. There are gyms you can go to but have to be in the system with humana mine is not . Mine is close and cheaper than the ones they are partnered with . I am not the only one upset if people want to it is one thing but I should not be penalized for not wanting to. Also the people who hand out advice are not health professionals they go by graphs and charts not everyone will fit in. I think financial pressures are illegal am I right?

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Phillips Esq.

Attorney

Juris Doctor

17,924 satisfied customers
I'm employed by the State of Md which has begun withholding

I'm employed by the State of Md which has begun withholding a significant "surcharge" from my bw pays because I have not signed up to participate in a wellness program. I had intended to participate until I read the "HIPAA Authorization Form for Information Release" required by the health insurance company. Several of the bullets seem to nullify each other in the end forcing me to give up my HIPAA rights. They are in part: 1....No other personal health information will be shared with my employer. Only my participation eligibility....4. "I understand that my personal health information my be disclosed as required by or allowed by law." Another bullet: "I understand that the released information may no longer be protected by federal privacy laws and may be redisclosed by the individual or organization that receives the information."This would be fine if I actually wanted to participate in the program; I would probably sign it halfway read as I do with other products/services I desire. However I have never abused the emergency rooms etc and always actively pursued a healthy lifestyle which I believe is the State's intent. I agree with the intent but my participation and agreement to release my health information would not be "voluntary" (which is another of the bullets to which I must agree) but only to prevent the hefty "surcharges" from being withheld from my pay.Do I have any recourse here. I did not even realize the money was being taken from my pay as the first notice distributed about the healthcare for the past open season indicated the wellness program would be voluntary. I failed to read later material as who would have thought this would have been changed in mid-stream.What can I do. I really need the money but it seems a deceptive way for the State to save money and unfair for me to sign an agreement to give up my HIPAA rights to keep my pay. Is my reading of the agreement incorrect?I appreciate your time. Thanks for reading and responding. Ann

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Phillips Esq.

Attorney

Juris Doctor

17,924 satisfied customers
My company implemented a wellness program to save money If

My company implemented a wellness program to save moneyIf we don't participate they dock our pay $25.I asked if this program is required by our health care plan and they said no, they say it's voluntary but they are taking money away from us if we don't do the games they have to win prizes. They also had a tent setup to take blood and fill out some questionnaire and they gave $75 to those that did it.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

106,576 satisfied customers
My employer has us participating in a wellness program as part

My employer has us participating in a wellness program as part of our health insurance benefit. If we choose to not participate in the wellness program, we are assessed a $50 fee every month until the end of the calendar year. Participation includes a biometric screening (Height, weight, cholesterol, blood pressure), calls to a wellness "coach" and online participation in goal setting. The issue I have is that unless we sign a realease (HIPPA and hold harmless), we will be considered non participatory, even if we complete the biometric screening and monthly requirements. The release states that Healthways can release medical test results tomy employer along with "other imformation." Is it legal for them to force me to sign the release or pay a monthly "fine"?Below is a copyof the release:I agree to participate in Healthways' Health Risk Screening an Support Program (the “Program”). I understand the Program is offered by my health plan or my employer as the sponsor of my health plan (“Sponsor”). If I choose not to participate or do not give my permission by signing this consent form, I may not be able to receive Program incentives (if offered). I understand that the program may include collecting blood for testing (by fingerstick), identifying my unique behaviors (biometric measurements), completing a health risk or well-being assessment or other wellness activities. I give my permission to have my blood drawn by fingerstick and agree that I have been made aware of the possible related risks. These risks may include infection, soreness and bruising. I understand that more risks may occur and the information I have been given is enough for me to give my permission for the collection of my blood sample. I also give my permission for my blood sample to be studied at the onsite screening and for the results to be given to Healthways. I release Healthways and other companies or people working with the Program from any and all liability coming from Program screenings, the collection of my blood sample, and the report of the study of my blood sample. I understand that all information and comments I receive through the Program, including any test results, are based on the brief review that has taken place, and are NOT a medical diagnosis or opinion. Participation in the Program does not take the place of professional medical advice. I must call or visit my doctor to talk about any questions I have about my test, screening, or to get medical opinions. I understand and give my permission for Healthways to use and share my personal health information as allowed by law, including the Health Insurance Portability and Accountability Act of 1996 (HIPAA). My personal health information may have my name, participation status, screening results and other information. I also give my permission for Healthways to share my information with my Sponsor or benefit provider to operate the Program and with other programs offered by my Sponsor to provide wellness services to me. Healthways may depend on my permission for as long as I participate in the Program. I may remove this permission at any time by writing to Healthways. The removal of my permission does not apply to any use or sharing of my information by Healthways before I write to them. Any notice to Healthways should be mailed to Healthways, 701 Cool Springs Blvd., Franklin, TN 37067, Attn: Privacy Officer. --------------------------------------------------------------------------------Clicking “I Agree” signifies that I am the person described above or they are a dependent that I am authorized to act on behalf of and I agree to the consent terms and conditions listed here.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

106,576 satisfied customers
I have been an employee at a Public Library for the last 22

I have been an employee at a Public Library for the last 22 years and prior to that worked at this library for a 1 year an half, so a combined total 23 1/2 years. I a 58 years old Hispanic woman and never had a bad evaluation. The previous library director was here for approximately 5 years. She showed more of an interest to the male employees promoting and creating jobs for them. To the point of bringing in young men to do odd jobs and promote a friend of hers (male) who was incompetent to a director position and she eventually fired him. Also when she came on board she fired 2 other employees. I have heard that they all sued the library and won but that the board did not really know. She had issues with most all of the department heads (females) including myself with I believe an exception of one department head. In February of 2012 I knew something was up when they asked me if I could have any job in the library what would it be. I said I was doing the job I loved and I was good at it. Because I did not step away from my position they decided to divide my department even though there were no problems and give half to him and make him a manager of this department. With me she continued having my supervisor and human resource manager meet with me bringing up issues that were out of my control such as my department was too loud, people were talking about a wellness program (that had most library staff unhappy ) and step program to apply for a raise. I talked too much I didn't talk enough. I broke a confidence but would not tell me what confidence which I did not. Not even my supervisor knew what this was about. There were some other incidences that I was reprimanded about. I was asked to go to a coach which I had done so previously and I agreed. After he and I signed a confidentially form so our meetings would be private I told him about some of the problems I was having. He gave me some testing and showed all glowing results. The problem was when i would mention something he would later come back and say that the human resource director said it was not true. I quit going to him but was asked why. I asked to speak to the director and was told by human resources that she had anger management issues and I could not talk to her. My supervisor would then come to me it seemed weekly and tell me that the director wanted to fire me today. The stress was horrific that I ended up going to counseling and a doctor to receive medication to assist with what I believe was bullying and harassment which I did tell my human resources director and supervisor. I tried to stay out of the way because every tie the director saw me there would another meeting with my supervisor and director. It finally got to the point that every time they called me in on a Friday I said you going to kick me around again which of course they did verbally. Finally something happened that the director said she was retiring although she is too young to do so. I am thinking everything is going to get better. Wrong, the new director a friend of hers an who she recommended and has been with us for 2 1/2 months is beginning to continue with her saga with me. He has an absolute dislike for me and without my saying anything says lets let the past be in the past but after saying this several times in every conversation with him. I have come to realize he will carry on her torch for me. He called me in last Friday and said that I was not doing what a Head of Department should be doing and he said you say your a good manager but I don't see it because of report he requested (and I have never been shown or put one together like he requested) He said let's leave the past in the at least 5 times then said that my supervisor would assist me with this and that she was aware of this meeting which we had alone. He said or things would change and I said what are you saying? He said things well change and could be worse for me. I asked straight out are you saying you will demote me from being a manager? He said yes and could be worse. He said I don't know about your personal life and then said I don't want to know. Basically did I have a husband or someone to support me I assumed. He said you have one week to make a decision what you want to do. I did shed a tear and he said when you can be more professional and less emotional we can talk. You have a week to make a decision and that will be this week. I believe I have a case to sue the library for the stress, bullying and harassment I continue to receive. I know this director wants to change my department from all full time staff since he has mentioned several different times. No benefits less hours his what he foresees. Please help me. The stress is killing me.

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Dimitry K., Esq.

Attorney at Law

Doctoral Degree

46,548 satisfied customers
This question relates to insurance and the workplace. Im unsure

This question relates to insurance and the workplace. I'm unsure what category to place it in here, business law, employment law, consumer protection (we pay for health insurance) I'll hope the right person contributes. It seems a growing practice, and in my situation, where a municipality as employer offers a reduction in health insurance costs in exchange for participating in a program offered by a third party that collects health information from the employee and offers guidance on the employees health behaviors to supposedly contribute to good health, thus a "supposed" win-win. I have my doubts. I'm very suspicious that although the claim is that medical information will be kept confidential from the employer, I suspect that the insurance company may get or use information against the employee now or later. Also, they claim they can hold this data for two years. When speaking to these associates, they let you know all calls are recorded. What I want to know is can you provide any general read about this practice or make any recommendation(s). I am half in but thinking of backing out before giving certain particular information that they may use to track my "progress" or efforts regarding, then say that because I could have done "more" ... I think it's all very suspicious. They're not in this for my well being, they're in it for themselves. Nice posturing though. Not all thugs today wear masks.

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Marsha411JD

Doctoral Degree

18,804 satisfied customers
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