Redbug
Veteran Member
I suppose for a state worker, the insurance has to offered. Even if the employee has a condition where an otherwise normal insurance company would refuse to to insure him. These insurance companies are motivated by profit. I can see where they could change the rates for an existing condition, thus keeping the rest of the group's rates lower for being healthier. But, that should be for a diagnosed condition, only. I think the state is between a rock and hard place because the insurance companies could simply stop being the carrier for the state employees if the costs get too high. The state probably does not have much negociation power. I am a Federal worker and have seen my insurance benefits erode with the premiums going up. We no longer have any real dental anymore...it has to be purchased separately. And I feel some procedures insurance should not have to cover if it's not a health issue...such as having a baby. I'm beginning to ramble I know, but I think the bottom line is...people need to try to stay healthy on their own and not expect society, (or insurance), to cover the costs of denial or ignorance. Good point Toy about education and exercise programs.