Employer Group Health Insurance And Coverage For Workers With Preexisting Conditions–How Employers May Lower Costs

Continued struggles for employers to meet the needs of their workers in terms of health insurance coverage has been an ongoing problem that continues even today for many businesses who may not have the funding they need at the present time to meet certain costs related to employer group health insurance care. Yet, many workers often rely on this particular form of health insurance due to the fact that preexisting conditions can make getting an individual health insurance policy quite costly or close to impossible. Since employees who may have a preexisting condition or other health problems could also increase the costs that an employer group health insurance plan may bring, there are many issues related to these particular problems that some businesses are attempting to address.

As an example, workers who have a preexisting condition cannot be disqualified from an employer health insurance plan, but may only have to wait for a few months or a year before their particular condition will be covered. Yet, if an employee has had health insurance coverage with a preexisting condition and transfers to a new employer, this waiting period may be reduced or even waived entirely, depending on an insurer, state, or the health insurance policy an employer may have. What it usually boils down to is the cost of insuring individuals with preexisting conditions, and the risk that an insurance company sees in these particular individuals or employer group policies.

However, there are some employers who have been using certain methods to not only cut down on their employer group health insurance costs, but perhaps eliminate pre-existing conditions that some workers may have which could be related to problems like weight or an unhealthy lifestyle. Numerous reports and articles have been published over the past few years, and some as recent as here in the month of May, which point out problems like obesity that many Americans are facing that may soon reach a point where they are considered an epidemic. While there are arguments that obesity is already a major problem and should be treated as such, these employers who may have problems related to employer group health insurance costs have attempted to implement healthcare incentives at their business in the hopes of helping their employees lead a healthier lifestyle, which could lead to less medical conditions, problems, and from a business perspective, lower health insurance costs.

Obviously, if a worker happens to smoke, there can be programs implemented to help these individuals overcome this particular problem, but for employees who simply may be overweight or obese and have problems like high blood pressure, diabetes related to their weight, or high cholesterol, health incentives made available from an employer could open the door to a healthier lifestyle for these workers, and potential reductions in an employer’s group health insurance policy. While it is not guaranteed that every employee will benefit from these particular health incentives, as simply leading a healthy lifestyle may not overcome genetic conditions or certain types of diabetes, businesses may be able to offer gym memberships, classes, or consultations with professionals that could bring about changes in lifestyles for many in their workforce and, hopefully, this could lead to an overall healthier attitude and changes in personal practices that could not only be beneficial to an employee and their healthcare needs but reduce overall costs that businesses may see in terms of their health insurance plans.