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

If you quit and remain smoke free for 12 months a life insurance company will consider you a non smoker.

If i quit smoking mariuanna a month ago can i claim nn smoker status on a insurance form. 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. In states with higher tobacco taxes the cost can be even higher. They may also do a urine or blood test. 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.

If you wait you may have to pay a higher rate anyway because you re older. The insurance company may request another medical exam. 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. Not only will they typically pay more for health claims but they also collect less in premium revenue since smokers have a higher mortality rate than non.

Depending on how much you used this could be longer. But smoking has been known to cost people dollars through more. If the monthly premium for a non smoker is 500 per month it will be upwards of 600 for a smoker. Other ways smoking costs you money.

It can take more than a year to kick nicotine effectively. If you lie about smoking the health insurance or life insurance benefits for you and your family may be at stake. If you have been smoke free for at least 12 months you can apply to have your status changed to a non smoker. 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.

If you plan to quit you get standard nonsmoker rates for the first three years of the policy. The anesthesia team can tell immediately if the patient is a smoker. Don t delay life insurance until you quit smoking. Many insurers will want you to quit tobacco for at least a year before considering you a nonsmoker.

You can then apply for a non smoker policy with a reduced premium. Increases in tobacco related behavior and disease definitely impacts the cost of smoker health insurance for women. Applicants must have refrained from smoking cigarettes for at least 12 months to qualify for nonsmoker. This applies to every insurance company.

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. In some states lying about smoking for insurance purposes is a material misrepresentation just like lying about. All questions are assumed to be answered truthful and a material wrong answer could result in a denied claim. Choi explains why smoking before surgery is risky.

The health insurance companies face a double edged sword when it comes to insuring smokers.