So, we've been wending our way toward providing health coverage for our full-time employees, including medical, dental and access to a vision plan.
And here's something I don't get:
Why is it any of Blue Cross' business which employees aren't opting for their coverage and why? Or Delta Dental's business either, for that matter?
For Blue Cross each employee who isn't taking coverage via BC has to fill out part of their application form anyway. Stating that they're declining and why. And while I understand English, so I ostensibly understand the explanation I'm getting from our benefits administrator, I don't understand it.
They don't want people avoiding health insurance when they're healthy (and thus avoiding paying into the coffers) and only signing up when something goes wrong. But isn't that why they ask you all those intrusive questions about your health on individual applications? To determine pre-existing conditions and get out of covering them?
So, this other requirement (which just complicates getting everything in to complete your application for the people who do want coverage) is, I guess, a requirement they feel they need because people must not be honest enough to fill our applications truthfully.
I just personally found it an invasion of privacy to give my personal information to a company whose services I did not choose.
Am I being too touchy? What do you think?