This opinion piece appeared in the Fort Wayne Journal Gazette yesterday about the
smoking ordinance (if you are for it), or ban (if you are against it), enacted last year in Fort Wayne. There is some talk of repealing it, as the city council was shaken up during the last election cycle. However, as of right now, no one is allowed to smoke in any public building and if one wants to smoke outside, they have to be eight (I think) feet away from the door. This had some unintended consequences when some “exotic dancers” needed a break from work, but that’s another story.
Anyway, a physician working for an insurance company based in Fort Wayne wrote the opinion piece. The Blogmeister won’t name him or his company, so as to not give them any free advertising here. In the spirit of full disclosure, the Blogmeister is not a provider for this company. Mostly because they refuse to pay for Therapists, Social Workers, or Counselors unless there is a physician, on staff, in the building, at all times. Thus, increasing costs for their members and allowing them to charge more for their insurance.
For those unaccustomed to Insurance speak, I’ll translate. Here are the important parts of the story:
…It would also be unreasonable to hop back and forth on an important issue like this. Those it affects have for the most part made necessary adjustments to it, and businesses that were on viable footing before the ban are not threatened by it.
Translation: If a business allowed smoking before and was doing fine, but now can’t make payroll it wasn’t a big chain restaurant to whom we were trying to sell insurance. That’s okay though, because we will go across the line to all the mom and pop restaurants where all the smoking business has gone and sell them insurance because now they can afford it with all the increased revenue.
I have spoken to a number of our customers (employers in Fort Wayne who purchase insurance from ***) and have found that an overwhelming majority of them are happy to have the ban in place.
Translation: I’m a doctor at an insurance company and people lie to me all the time because if they tell me how they really feel they are afraid my company will jump their rates.
Anything we can do to help make Fort Wayne a less expensive place to employ and provide health insurance for people makes Fort Wayne a more attractive city in which to locate businesses, do business and create jobs.
Translation: The more people who don’t get sick, but who we can continue to charge outrageous rates is great for my company and me!
We need to encourage smokers to quit in order to help get costs down, and most employers understand that.
Translation: The insurance company’s costs will go down, but thats all, notice I didn’t say employers costs will go down. Less people will go to the doctor and we will still charge more and more for insurance. In addition, that pesky low cost insurance program started by Governor Mitch Daniels… you know the one, funded with cigarette taxes… won’t be “viable” and will go down in a blaze of glory. Then all those people will have to come to my company for their insurance. They will have to pay our exorbitant rates and I can make more money. Dang, all this sounds so good I can see that new BMW in my driveway now. I just hope no one asks if we pay for smoking cessation or other preventative programs…
…I urge the City Council to leave the smoking ban in place and not to move Fort Wayne backward along the road to making ours a better, healthier and more marketable city.
Translation: Because I really, really want that beemer!
Now the Blogmeister realizes that translation was a little harsh. However, if the City Council does decide to revisit the smoking issue, it is hoped the writer of the opinion piece will provide figures reflecting the dramatic decrease in insurance premiums (with the same level of benefits) his company is offering employers of Fort Wayne to back up his assertions.