If I Quit Smoking Mariuanna A Month Ago Can I Claim Nn Smoker Status On A Health Insurance Form

Cigarette users may be motivated to lie in order to obtain either a lower health insurance premiums or b maintain eligibility for life insurance policy or rates. Because of its federal designation as a schedule i controlled substance health insurance providers have their hands tied when it comes to reimbursing patients using medicinal cannabis says wells. Give yourself a pat on the back if you quit smoking this year but don t expect to qualify for the best life insurance rates yet.

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You re correct that you need to refrain from smoking for a considerable period of time before life insurance companies consider you to be a non smoker.

If i quit smoking mariuanna a month ago can i claim nn smoker status on a health insurance form. If the monthly premium for a non smoker is 500 per month it will be upwards of 600 for a smoker. In some states lying about smoking for insurance purposes is a material misrepresentation just like lying about. This applies to every insurance company. You will likely need to sign a declaration form stating you have been smoke free for 12 months and you may need to have a urine test to confirm it.

Even if you live in one of the 28 states that have legalized marijuana for medicinal use don t expect your health insurance to foot the bill. Congratulations on kicking the habit. On average smokers will typically pay 15 20 higher premiums than non smokers with equivalent demographics and health conditions. Why smoking and surgery are a bad combo.

Plan category the number of individuals on the policy age location and tobacco use. Choi explains why smoking before surgery is risky. The anesthesia team can tell immediately if the patient is a smoker. The health insurance companies face a double edged sword when it comes to insuring smokers.

Many insurance companies can factor in tobacco use in order to increase health insurance rates for smokers. Under the patient protection and affordable care act aca health insurance premiums are based on the following factors. If you lie about smoking the health insurance or life insurance benefits for you and your family may be at stake. If you quit and remain smoke free for 12 months a life insurance company will consider you a non smoker.

If you have been smoke free for at least 12 months you can apply to have your status changed to a non smoker. Being classified as a smoker when you apply for life insurance isn t a life sentence. It s interesting that they chose 12 months because it is only after 2 years of abstinence that 80 of people are successful in quitting for the long term. You can then apply for a non smoker policy with a reduced premium.

The insurance company may request another medical exam. Most companies require policyholders to have abstained from nicotine products from two to five years to qualify for non smoking rates. Your insurer may re classify you as a nonsmoker if you re able to kick the habit for good. Many insurers will want you to quit tobacco for at least a year before considering you a nonsmoker.

Most life insurers still consider you a smoker.