I was obese and I don't have a problem with insurers discriminating against obesity. Obese people ARE more prone to having knee problems, back problems, asthma, heart problems, blocked arteries, and just early death period. A major wound or surgery is higher risk for people that are obese. Sorry, but obese people do present a higher risk to insurers. That's a simple fact. Now I know the OP said "BMI" and I agree BMI isn't the best measure but most people with a high BMI are genuinely fat, not body builders. I think there should be a secondary method- such as a full blown body fat test by being dunked in the pool- that people could demand to challenge BMI if they really are body builder types.
High Weight: 225
Weight at start of Primal: 189
Current Weight: 174
Goal Weight: 130
Primal Start Date: 11/26/2012
I am 37 years old, and have a 27.5 BMI. Do I get penalized? I am running at 12-14% body fat, you can see my top two abs, and I just ran a 23:03 minute 5k.
And then to add prejudice? Crap on top of crap.
"Right is right, even if no one is doing it; wrong is wrong, even if everyone is doing it." - St. Augustine
And my bp is good, but my cholesterol is good but total is 210. That would be bad by CW too. I hate this initative.
They have actuaries that run these stats. If it was more expensive to provide care, on average, for a thin person, rates would reflect that. That's the way it should work...insurance is a business. And a risky one at that. LOL, my husband got $150,000 in care for like, $1500 plus another $4200 in premiums. Now he pays higher premiums as he is at risk for another occurance which makes sense. It costs a shit ton of money to keep unhealthy people alive, our system of insurance, at this time is for profit. It's reasonable that the unhealthy pay their share otherwise the healthy drop out of the system if you overly equalize rates to subsidize the people more likely to be unhealthy.If they are going to charge more based on bmi they out to at least do it scientifically. Overweight have better overall mortality numbers than normal weight. What about underweight.
It's no more prejudice than charging a guy with 10 speeding tickets and a Hemi more than the lady with no tickets and a compact car for car insurance.
No, you aren't obese.I am 37 years old, and have a 27.5 BMI. Do I get penalized? I am running at 12-14% body fat, you can see my top two abs, and I just ran a 23:03 minute 5k.
But I am "overweight". You could make the legal case that even though you are athletic, low body fat person, the insurance company has "data" that people with your BMI category still incur higher insurance costs. So tough cookies fatty.
Magnolia, I hope you know I adore you but please don't compare health insurance to car insurance they are 2 very different things.
When one's child is ill one shouldn't have to decide what care to give based on the cost, and in most cases there is no way of knowing how much that will be. Trust me I've been through this and you can not imagine the stress. 2 years ago DS had a respiratory infection, we took him to see his pulmonologist (3 hrs away) the doc said he'd like to admit him because his lung function was down. Our pain in the a$$ insurance only covered 50% and the secondary insurance provided by the state dropped us due to some bureaucratic glitch. So the doctor sends us home with more antibiotics and instructions which we follow very carefully. Meanwhile we are trying to figure out what to do about coverage. We come back 1 week later and the doc says regardless of insurance I can't let you go, he needs to be admitted immediately. Of course i wanted to do what was best for my son but in the back of my mind I was worrying that a hospital stay could bankrupt us. Long story short the state finally kicked in but in the meantime while we were in the hospital (we were there for 3 weeks) trying to take care of DS we were also stressing out about the cost!
On one of my outings from the hospital I ran into young couple visiting from Sweden, we got to talking about health care, they could not believe that my husband and I pay generous premiums and deductibles and could still have to pay more. When I told them that the hospital charged for parking they were beyond flabbergasted! Anything for a buck!
Last edited by Urban Forager; 09-25-2013 at 07:40 PM.
Life is death. We all take turns. It's sacred to eat during our turn and be eaten when our turn is over. RichMahogany.
I don't believe access to health care is a right. I have sympathy for people who have huge expenses, but if it were not a profitable business, your treatment would not be available.Magnolia, I hope you know I adore you but please don't compare health insurance to car insurance they are 2 very different things.
When my husband had a brain tumor, because we have a profitable system, he was treated immediately and in surgery with a top notch surgeon within 24 hours. We did have some extra expenses, but wow, the system works. Was it a bit of trouble to get everything approved, making sure MD's were in network, yup.
I'm not sure why I should subsidize care for other people or expect other people to subsidize my care. You do realize that if the "government" pays for care, that the government=taxpayers.
The heart of the problem is we can now do some amazing things to keep people alive, and simply can't afford to provide that for all citizens.
Any plan that encourages unhealthy people to become healthy and healthy people to work for them is simply good business sense.
Take the example someone else used earlier of AAs and high blood pressure. Yes, they have naturally higher blood pressure than other ethnicities. But they're also more likely to have (and die of) heart complications which often kill them young. The ethnicity isn't the issue. If you were to use a similar company policy based on a healthy blood-pressure range, it wouldn't be discrimination, it would be good business sense again. They aren't actively targeting the AA community any more than nature is by making them more heart-disease prone. They're just taking actions which benefit the company.
Perfection is entirely individual. Any philosophy or pursuit that encourages individuality has merit in that it frees people. Any that encourages shackles only has merit in that it shows you how wrong and desperate the human mind can get in its pursuit of truth.
I get blunter and more narcissistic by the day.
I'd apologize, but...