Friday, January 24, 2014
The state employees in Georgia are all covered by Blue Cross Blue Shield HRA health insurance now. What fun it has been to learn about how an HRA works and earning extra money for your account through wellness incentives.
I thought I was doing well in starting to learn about things at the beginning of the month. Under United Healthcare, I had a co-insurance waiver program that paid for most of my supplies and medications for my diabetes. Being on insulin, that saves big bucks! So I called BCBS and found out the program exists through their company as well as long as I was talking to a health coach. So I got a coach and have talked to her twice already. This week she asked if I had had my last eye exam and A1C paperwork faxed to her yet. I didn't know I had to do that and told her she wasn't clear about when that had to be in to her. So I called my doctor's office today and left a message about having that done.
Now enter the confusion - there is another site (Be Well) for self health assessment and earning incentives (ie extra money in HRA account) for completing steps.
Step one - complete self assessment (done)
Step two - biometric screening by doctor (do in April at next visit)
Step three - participate in telephonic coaching program
See step three, well I thought I was doing that with the coach I was talking to already. Now confusion enters big time. I get a call from the Be Well people asking if I wanted to sign up with a health coach. I am already talking to a health coach. Well to make a long story short, the coach I am talking to is a nurse at BCBS and while it puts me in the coinsurance waiver program, it doesn't cover the incentive requirement! So, I either talk to another coach or do tracking on line. Let's see, tracking on line at night or yet another appointment in my busy schedule. I chose on line. I got that set up tonight. We will see how it goes. I am still confused as to how many things I have to track for four weeks and how many cycles I have to go through. The site reads to track 5 things (food, exercise, steps) for 4 consecutive weeks to earn $40. Can be repeated 6 times for a total of $240 in the HRA account per adult. So I set up 5 areas - healthy eating, blood sugar, medications, exercise, and weight.
I hope it works. HRA money goes fast!