One of the many ridiculous problems with the new wellness initiatives developed by the State Health Plan is that the new default insurance product is the plan with the highest cost-sharing for state employees.
In the past if an employee forgot to fill out enrollment information or missed some pertinent form they were stuck in the medium cost-sharing plan known as the 80/20. But now all employees will go to the 70/30 plan. If you forget to fill out a form declaring your nonsmoking status you stay in 70/30. That’s just silly.
Since the State Health Plan is focused only on saving money, and has behaved in ways that are straightforwardly hostile to state workers, administrators at the plan have an interest in not fully informing state employees about the wellness initiative. That way more people will inadvertently slip to the 70/30 plan and save the state money.
Whether deliberate or not we can see that effort playing out in State Health Plan mailings. Here’s what the latest PharmacyWise newsletter to state employees says:
What is the comprehensive wellness initiative?
The Comprehensive Wellness Initiative (CWI) was established
by law in 2009 to help control health care costs and encourage
State Health Plan (Plan) members to quit using tobacco and
maintain a healthy weight.
Wow, elaborate description. Now everything is clear. With this sort of explanation the State Health Plan will be back in the black in no time. The problem is that the families of state workers will be in the red.