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Question: Mandatory Blood test by the Insurance Company
Vanity | March 03, 2011 | The Working Man

Posted on 03/03/2011 4:25:44 AM PST by The Working Man

A vanity question here.

A friend of my wife was asking for advice.

The situation: Her Husband works for the City. They just received a notice that all of the spouses of the covered employees MUST show up, as in mandatory, for a meeting with the Health Care insurer for a question and answer session and then give a blood sample.

So, with that as the situation. Her question to my wife was; Why do they want a blood sample from the spouses?

I don't know anything further than what she told my wife. So I think that what I am asking for is this.

Has anyone experienced a similar situation lately?

Any idea; Why the mandatory blood sample?


TOPICS: Health/Medicine
KEYWORDS: healthcare; insurance

1 posted on 03/03/2011 4:25:49 AM PST by The Working Man
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To: The Working Man

To make sure that they people covered under the plan don’t have hugely expensive diseases.

$$$$$$$$$$$$


2 posted on 03/03/2011 4:28:50 AM PST by misterrob (Thug Life....now showing at a White House near you....)
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To: The Working Man

...checking for drug issues. Health insurance, general insurance for the township or community... their covering their butts.


3 posted on 03/03/2011 4:29:34 AM PST by Doogle ((USAF.68-73..8th TFW Ubon Thailand..never store a threat you should have eliminated))
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To: The Working Man

This is usually done for life insurance however it is being done more recently for medical insurance in some areas.

If your employer is providing a coverage discount for being “healthy”, i.e. “wellness plans”, you will likely get a blood test even if just to ensure you are not a smoker.

I personally consider wellness plans discriminatory but that’s how they work.


4 posted on 03/03/2011 4:29:43 AM PST by fruser1
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To: The Working Man

They are screening for drugs and “blood anomalies”.

LLS


5 posted on 03/03/2011 4:30:38 AM PST by LibLieSlayer (WOLVERINES!!!)
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To: The Working Man

My former company “revamped” their insurance a few years ago as well and required this. Their was an option to go to your own doctor. They are looking at risk factors such as diabetes in order to create groups of high and low risk pools and change rates accordingly. All while adding domestic partner benefits which cost us more than any individual with a terrible disease.


6 posted on 03/03/2011 4:31:57 AM PST by doodad
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To: The Working Man

I’ve also heard of companies that offer discounts for tobacco users sometimes testing to see whether or not subscribers are abiding by the rules.


7 posted on 03/03/2011 4:33:48 AM PST by FLAMING DEATH (Are you better off than you were $4 trillion ago?)
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To: The Working Man

The number 1 thing they will be testing for is HIV.


8 posted on 03/03/2011 4:36:07 AM PST by Kozak ("It's not an Election it's a Restraining Order" .....PJ O'Rourke)
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To: The Working Man

If the spouse is covered by the plan, that is why.


9 posted on 03/03/2011 4:38:09 AM PST by visualops (Proud Air Force Mom)
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To: The Working Man

“Why do they want a blood sample from the spouses?”

That’s very odd. I worked for a city H.R. department, and the only mandatory drug testing was for employees. There was always testing for pre-employment health test. The second was random testing only for people in certain job classes in vehicle maintenance, etc.

I can’t believe spouse screening is OK, but in this nanny state, who knows?


10 posted on 03/03/2011 4:38:18 AM PST by MayflowerMadam
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To: The Working Man

I am assuming that the spouses are covered by the City’s health insurance. They probably have some right to request a blood test for their insurees.

If you are worried about something showing up, I would talk to a lawyer knowledgeable about medical law or labor law.


11 posted on 03/03/2011 4:43:42 AM PST by iowamark
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To: MayflowerMadam

If your spouse has HIV, don’t you think your health insurance company has the right to use that info in deciding the amount of your premium?


12 posted on 03/03/2011 4:44:34 AM PST by Pecos (Liberty and Honor will not die on my watch.)
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To: MayflowerMadam; All

Thank you everyone for responding.

If I hear anything more after my wife’s friend has this meeting and they do these blood samples I’ll post it here.

In many ways I hate the paranoia that we’ve built up over the last 20 years or so. My personal first thought was that they were going to to do DNA checking for genetic diseases and use that as a reason to put the Employees on a ‘first to layoff’ list.

Take care and have yourselves a great day!


13 posted on 03/03/2011 4:44:37 AM PST by The Working Man
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To: Doogle

But...but...under Obamacare I thought all were covered?


14 posted on 03/03/2011 4:54:26 AM PST by databoss
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To: databoss

shuuuuush, you ask too many questions


15 posted on 03/03/2011 4:55:31 AM PST by Doogle ((USAF.68-73..8th TFW Ubon Thailand..never store a threat you should have eliminated))
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To: Doogle

If the Republicans had just passed McCaincare (God forbid) the ACLU would be screaming from the roof tops over this type of intrusion! God I despise the left and their duplicity!


16 posted on 03/03/2011 4:59:22 AM PST by databoss
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To: The Working Man

I am not an attorney, but I suspect that they can only compel this if the spouse is covered by the same health plan.


17 posted on 03/03/2011 5:07:58 AM PST by Truth29
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To: Pecos

are they allowed to test for HIV without your notification and consent ?


18 posted on 03/03/2011 5:27:15 AM PST by catroina54
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To: The Working Man

If a spouse is covered, there is likely to limited or no basis for objection. The usual purpose is preventative screening, with the potential for health improvement and cost reductions through medical and lifestyle interventions.


19 posted on 03/03/2011 5:52:42 AM PST by Rockingham
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To: The Working Man

Collecting DNA samples for national data bases would be another good guess.


20 posted on 03/03/2011 6:08:15 AM PST by GailA (2012 rally cry DEMOCRATS and RINOS are BAD for the USA!)
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To: Pecos

“If your spouse has HIV, don’t you think your health insurance company has the right to use that info in deciding the amount of your premium?”

I didn’t say it was either a good policy or a bad policy. I(1) said I’d never heard of it before, and (2) implied that Big Brother is intrusive.

When a government negotiates insurance premiums for a group, each individual employee is not reviewed on a case-by-case basis. At least, that was the case when I was involved in negotiations.


21 posted on 03/03/2011 7:49:01 AM PST by MayflowerMadam
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To: The Working Man
My personal first thought was that they were going to to do DNA checking for genetic diseases and use that as a reason to put the Employees on a ‘first to layoff’ list.

I'm going through roughly the same thing (although no blood tests, not yet) with my employer. Currently, there's a "wellness program" that we get some hard armtwisting to participate in. Next year, we've been told that we'll have mandatory screening, and a 'life coach' (read: company-approved nanny) will "help" us with areas in which we're found lacking.

I'm looking for another job.

But, to the point, although we've been assured that all results are completely confidential (then, how would the company know that we need a 'life coach', or even if we're seeing one? I asked, and was told that I asked too many questions), I had exactly the same thoughts as you. Not healthy enough? That'll get you on the short list when layoffs come. Particularly if there's someone in the dept who has the same qualifications, but ISN'T on statins, or blood pressure meds, or something.

22 posted on 03/03/2011 8:12:10 AM PST by wbill
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To: catroina54

“Concent is a fuzzy word. Do you want the insurance? Do they require a blood test to get the insurance?


23 posted on 03/03/2011 10:19:44 AM PST by Pecos (Liberty and Honor will not die on my watch.)
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To: MayflowerMadam

It’s all about the actuarial tables, or should be. The question should come down to “Who is assuming what level of risk, and for what premium?” Well......pre-ObamaCare anyway.


24 posted on 03/03/2011 10:22:35 AM PST by Pecos (Liberty and Honor will not die on my watch.)
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To: The Working Man

If you’re marking “no” to things like HIV and cancer, or not listing those types of things, the blood test is to verify that you’re telling the truth or not withholding information.

It would be very tempting for someone who is in the beginning stages of cancer to sign up for insurance and then afterward say “Oops - what are the chances of that?”


25 posted on 03/03/2011 12:06:29 PM PST by scott7278 ("...I have not changed Congress and how it operates the way I would have liked..." - BHO)
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