[6stringmerc]

Thanks for going into detail, as this is my view - developed over several instances of observing such programs, and, in actuality, having worked in a back-office support role for a firm that actually sold these programs. Your write up is essentially what I was alluding to, and I appreciate you sharing your perspective so I don't feel, well, uselessly paranoid or underwhelmed by the "offer" in the grand scheme of things. Now that you mention it, I wonder if dropping some information on the 'Wellness Caller' about my ADA-protected disability and then asking if they're HIPAA compliant would be a fun little wrinkle to explore...