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Updated: 8:38 PM Jul 28, 2009
Many Smokers Say Paying up to PEIA is Worth It
West Virginia State employees are used to paying up to light up, but now they are paying nearly double.
Posted: 6:50 PM Jul 28, 2009Reporter: Carrie Jones Email Address: carrie.jones@wsaz.com |
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CHARLESTON, W.Va. (WSAZ) -- Back in 2000, it was a program that put West Virginia Public Employees Insurance Agency ahead of the pack. The idea of making smokers pay more for their benefits hasn't always been liked, but it has worked.
The fee started as $5 to $10 extra for workers who smoked. That cost has grown over the years. In July, the premium went up to $30 for single coverage and $50 for a family insurance plan.
"I do pay because I'm honest and I don't mind paying the extra money to smoke," said Maurice Washington.
Washington works for the Department of Highways. He says he worries that the rate hike may lead some smokers to lie to get a break.
"In this economy, if you can save a buck and get away with it I'm sure there are," Washington said.
For Department of Health and Human Resources employee Sterling Bare, cheating the system isn't worth it.
"I don't think it's worth the risk of being hospitalized and getting a major bill and then a review of the tests reveal I did in fact smoke, and the opportunity for them to disallow the claim," Sterling said.
PEIA does have the right to review medical records if they suspect that someone is lying about being a non-smoker.
More than 97,000 employees signed an affidavit this year claiming they are non-smokers. That number is up 4,000 people from last year. Nidia Henderson, PEIA Wellness Director , says that about 800 of them are people who have been with the plan who have decided to quit smoking.
"I think what's happening is there is a cultural change because of the clean indoor air act because of increasing taxes on tobacco products," Henderson said. "The reason our finance director's raised the rates was for their health. The health of the plan is dependent on the health of the members."
Along with keeping smokers on track, PEIA is offering a new incentive for all its members. The "Improve Your Score" program offers cash back rewards for people who have a clean bill of health during a workplace health screening.
Latest Comments
Dear anon: I, too, am overweight (obese) and have my share of medical issues. I agree that the medical bills are much higher for us as being overweight causes many comorbities. I have diabetes (uncontrolled), leg & knee problems, and others I won't go in to. I had a terrible time getting life insurance. My doctor has hinted (urged) that I should do a serious diet and stop eating whatever gets too close to me. I'm told, and I agree, that if I were to drop 100 pounds or so... some of my issues may go away. I have to admit... I love to eat a good, hearty meal! Good Luck with your issues and have a great one!
I don't believe anyone should be discriminated against whether they smoke or are obese...NO I don't smoke but I am overweight...my medical expenses are quite high even with insurance I pay more out of pocket than someone with the same conditions that are smaller in size... I know this because my friend and I have been diagnosed with the same conditions by the same doc.....and I pay more for my vistit and my meds because it takes a larger dose for me because of my weight....so The "Obese" do pay more....and as far as life insurance it's an extra 50 dollars per month just for my 20,000 policy..and it goes up accordingly.
"me" & "anon": I agree with the smoking issue... However, obese people don't "choose" to be obese. Smokers make the choice to smoke. "Yeah Right": ... spelling & grammer. Before you speak, make sure you are educated. It is better to remain silent, and have it assumed that you are an idiot, then to speak and remove all doubt. "Anon": I'm an ex-smoker. I was diagnosed with COPD while I was a smoker... It's gone! I've been smoke free for over 6 years and my lungs are fully functional! NO CANCER!!! I really hope it stays that way. If you're a smoker - and want to quit - Call 1-877-Y-NOT-QUIT! I did!!! PEIA also has a program to assist smokers in quitting. Good Luck!!!
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