Just got a letter in the mail from my (US) company's new health insurance provider that "encourages" us to participate in two programs:
- Biometric screening
- Health assessment
"We are asking you to participate in order to establish a baseline from which we can measure how well the programs are assisting our employees and their families."
This letter gives me the heebie jeebies about the medical and health information that will be collected and (presumably) used to compare against in the future. A previous question
makes me worried that my insurance rates may increase if I don't show some kind of "progress" with regards to BMI, LDL, non-fasting blood sugar and blood pressure.
To top it all off, if I don't
participate, they will charge me over $200 a year extra in insurance premiums.
I am a healthy, non-smoking 30yr old woman with no kids and no prescriptions who exercises and eats well - can I just drop the insurance plan and pay my health costs when I incur them? If I do this and decide to get on health insurance again in the future, how would this lapse in coverage affect me?
This is a very large company, so I doubt that me arguing with HR will make much of a difference.
Am I overreacting? Please help give me some perspective and advice!