*I was not sure where to put this, so mods, please feel free to relocate this thread.
My question is this…my employer recently asked those participating in the healthcare plan, to fill out a questionaire, and take a blood test, in order to receive the full ‘fund’ benefit, that it provides. I have a plan where the ded. is high, but my employer has a fund set up to pay down the deductible…then, it goes to a typical 80-20 split. Okay…so I filled out the questionaire, and there are a variety of health related questions…ie: do you smoke, drink, ever been depressed, etc…typical health-related questions.
Then, there is a question about faith…what religion are you? :ehh: I wondered to myself, how is this relevant? Why is this relevant? I thought, maybe it’s because if one is ‘‘spiritual’’ then one might be calmer, thus healthier, and less stressed? I am not sure.
My husband said that he thinks such a question is unethical…I explained that the answers to the questionaire are ‘‘confidential,’’ only between the insurance carrier and me…but, it does make me wonder why such a question is necessary.
Oh, the results of the blood test and the questionaire are immaterial…my employer just requests that everyone complete both to get the ‘‘credit.’’ I don’t find that unethical, but then you wonder if that is the wave of the future…if the blood results come back showing, say…a predisposition for whatever, let’s say heart disease…would that mean my premium would go up eventually? (even though the results of the tests are moot, right now)
So, what do you make of that religion question? :hmmm:*