New kind of health plan at a company... feedback wanted [View All]

[Sgent]

OK... I do consulting for some HR departments of large companies RE/health plans. I wanted to get some feedback for what one company is looking at since this is going to be a huge departure from the normal:

Plan benfits -- basically pays all health expenses (but read below).

Costs:

$25/month / Body Mass Index above 25 up to $250/month.
$200/month if smoker

BMI Penalty is halved if you attend a gym (for free) 12 days a month or more
Smokers penalty is reduced to $100/month if you are invloved in a quit smoking program (again, all subsitutes, zyban, gum, counseling is free). It is elminated 6mos after successful completion.
Any employee gets access to the best health club in town free if they use it 11+ times a month, if less, then they must pay.
All doctor visits, drugs, tests, etc are free if you've recieved a (free) physical and appropriate vaccinations in the last 13 months. Otherwise you have to pay a $100 copay.
All dental exams and work is free, assuming you have 2 cleanings in the last 13 mos.
All OTC drugs are free with script.
The doctor/hospital/dentist network is the same PPO as they currently have.

They estimate the plan will cost about the same amount as a traditional PPO plan now in place. I was wondering -- any thoughts?