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Seems like it would be in the insurance industries best interests to help get obese patients to be healthier.
Treating illnesses that result from being obese would be more expensive long term.
Not if you can call it a pre-existing condition and just refuse to pay for it…
Tony C., logically, one would think this would make sense but the insurance companies are all about maximizing profits today. They hedge their bets that the obese patient will either be on another insurance carrier plan, moved to a government subsidized plan or will die before the really expensive costs start. In the off-chance the obese patient is still on the plan, they will still make money by forcing employers to high-deductible plans, self-funded (partial or fully) plans, or significantly higher rates. Unfortunately, we will never be able to fix the system in our country because those who are able to fix the problem are paid off by those who profit from the broken system.
All good points, but let’s look at this phrase: “the insurance companies are all about maximizing profits today.”
Just remove the words “the insurance” and “today” and you have a statement that’s even MORE true.
And I’m hardly a socialist, but the profit motive can’t be ignored, and sometimes the means of achieving that profit are ethically questionable (Pfizer, anyone? Sackler family?). Neither insurance nor pharmaceutical companies are immune to this. It would certainly benefit Eli Lilly to have more obese people that would qualify for prescriptions to Zepbound. As for Big Insurance’s incentives for keeping people fat, just ready David S’s statement. Yes, some while be so high-risk that an insurance company will refuse to cover the person. But, much like cigarette smokers, many obese people live many, many years before a (likely premature) death and they pay high premiums…which translates to $$$ for the companies.
Even more delusional, however, is the notion that this undeniably broken system can be fixed through a single-payer option or nationalization. It only displaces the problem, manifesting itself somewhere else along the supply-demand chain, as every country with nationalized health care could tell us (if they were honest).
yet again, Lauren … no solutions, no alternatives, just what not to do.