The solution is for life insurance companies to pay people to stay on ozempic
The “payment” can come in the form of lower rates, with penalties if you stop.
GLP-1s are breaking life insurance
311–320 of 640 posts
Re: GLP-1s are breaking life insurance
#312Obesity is highly correlated with other medical conditions, from cancer to diabetes to heart disease. I wonder if there is a point at which it is cheaper for health insurance companies to offer subsidized or even free GLP-1s to patients than pay out for other specialized medications. For example, my insurance covers flu shots in my community every year because it's presumably less expensive to pay for the shots compa…
https://www.cbsnews.com/pittsburgh/news/west-virginia-insura...
I think the short answer is that these drugs are only cost effective when applied to people actually experiencing costly diseases, rather than simply being obese. A large part of that has to do with the drugs being very expensive still.
Re: GLP-1s are breaking life insurance
#313Earlier quoted context omitted.
Be sure to pull back on the plunger and ensure there the needle is not in a blood vessel (pulling back will draw blood into the thing and you will see). You do not want the drug meant to subcutaneous to go into the blood steam. This is true for GPL-1s (all peptides for that matter), as well as insulin, and definitely mRNA vaccines.
Mounjaro uses a single use fully autometed injector--clean your skin, remove the cap, press the injector against your skin, then press a button. A springloaded needle penetrates you skin and a spring loaded plunger injects the medicine. You have no way to pull backthe plunger to see if you are in a vein/artery. I've never used Ozempic, but my understanding was it used a device similar to insulin pens--dial you dosage…
This is right. It's all or nothing, and there's no "pull back" functionality.
Re: GLP-1s are breaking life insurance
#314> When someone stops the medication, they'll usually regain the weight they lost Source? I agree that some people will regain the weight, but "usually" is an unfounded (without some data) generalization.
I don't mean to be overly harsh, but saying "just changing their diet" is quite ignorant. There's been a huge amount of research into the challenges of weight loss, so it should be (more) common knowledge by now that it's not just about deciding to do it and "having discipline" - it takes much more than that, both physically and psychologically.
I understand where you're coming from, though, I used to think the same - I remember a specific situation where an obese person next to me was breathing heavily from doing something easy and me thinking "how do you hear yourself breathing audibly from doing almost nothing and not decide and just change it". Unfortunately, I got into a situation where I now understand the issue and am struggling to lose weight, despite hearing myself breathing audibly after picking up something from the floor and all the rational understanding and knowledge of what I need to do.
IMO, in a lot of cases, the first step should be going to a therapist.
Re: GLP-1s are breaking life insurance
#315If GLP-1s are working for people, why do they quit taking them?
I know a couple who self identify as foodies and they started taking it for weight loss. They now complain that date night is no fun because they don't enjoy the food. They have not yet dropped the meds but I can see it happening soon.
Re: GLP-1s are breaking life insurance
#316More sensationalism. Insurers can simply adjust the policy accordingly to account for patients discontinuing the drug. They can also raise premiums if patients go off the drug, and there can be a cluse that stipulates this. This is literally the job of an actuary to reprice premiums . Insurers take a short-term hit and then adjust premiums to ensure it never happens again. This happened with California fire risk for…
The idea is that the insurer doesn't even know the customer is on glp1, and I guess doesn't require a full physical often enough to reprice frequently.
Re: GLP-1s are breaking life insurance
#317Earlier quoted context omitted.
I don’t know if your topic switch was intentional - if so, my apologies and this is just for people outside the US who don’t know… The article is about life insurance, which is very different from medical insurance. Medical insurance companies often already go out of their way to pay early to save in the long run (e.g. free preventative care, checkups, etc.). I can’t speak to GLP-1s, but it’s possible that right now…
> Medical insurance companies often already go out of their way to pay early to save in the long run Literally LOLed when I read this. Health insurance companies might pay lip service to this and make some token gestures like free preventative care, but in my experience health insurance companies frequently shoot themselves in the foot by denying care that later ends up costing them even more when the patient's untre…
The important part is the short term gains, and the people making them jumping away on a golden parachute before the long term consequences kick in.
Re: GLP-1s are breaking life insurance
#318Earlier quoted context omitted.
You’re thinking too highly about the incentives of the US healthcare system. Since insurance is tied to your employer (and therefore changing every few years), and most people die on Medicare, there’s not much incentive for insurance companies to pay for preventative care that won’t actually help you for several decades.
Then wouldn’t the government want to subsidize it?
Elon Musk suggested it. The fast food Industry has ppl addicted along with the lack of health education in schools.
Re: GLP-1s are breaking life insurance
#319Earlier quoted context omitted.
> I wonder if there is a point at which it is cheaper for health insurance companies to offer subsidized or even free GLP-1s to patients than pay out for other specialized medications. That the NHS is getting to a place where it’ll provide it, I’d say yes.
Everyone likes to bash the US healthcare system, but at the same time it’s remarkable how much subsidized GLP-1 access Americans are getting compared to much of the world. The paradox of discussing healthcare online.
> it’s remarkable how much subsidized GLP-1 access Americans are getting
Mounjaro is between 25-50% of the US price in other countries
Re: GLP-1s are breaking life insurance
#320Earlier quoted context omitted.
I started in Aug 2024 and stopped in Oct 2024. I paid for it from one of the pharmacies that made it in Florida. I injected myself with insulin needles that they send you.
I've seen so many reports of people losing weight one way or another, and saying they kept it off, and I think only once has it been more than a year. Usually under 6 months. Personally I lost a ton of weight doing full-on keto (I specify, because some people just kinda cut out carbs) and then kept it off for over 2 years. But I put the weight back on after that, albeit slowly (over the course of maybe 7 years). I've…
For most people that is very true, I have seen it repeatedly.
I don't know what my secret is, I lost 100lb and have kept it off for a good 5 years now. But it is a bit of an uphill battle. If I wanted to, I could easily just give in to temptation and slip right back but it hasn't happened yet.