I'm a little not happy at the moment to say the least. So here goes .....
Every year my medical insurance premiums have gone up through my workplace of 9 years. So of course I figured this year would be no different. Our enrollment is Oct 15- Nov 4.
They send a booklet which I got around the middle of October (mind you this was after the enrollment started but this i'm also used to) and in this booklet it says that tobacco users insurance rate would increase.
Unless you have stopped using tobacco products before Oct. 15, 2011
Oooookay hummmm I didn't even receive the booklet until after the 15th of Oct. (my reaction to this was WTH!!)
So i'm thinking whew good thing I don't use analogs anymore.
Well now it get interesting. (high sarcasm here)
A person (not myself) who uses an ecig asked a question on thier site about his ecig use and why this insurance would affect him due him not using analogs anymore and this was the respons he got:
Yes. E-cigarettes are considered a tobacco product.
Below is an FAQ from the ******** Benefit Handbook that should answer the second part of your question.
Why are e-cigarettes considered a tobacco product?
The only difference between e-cigarettes and conventional cigarettes is that e-cigarettes don't contain actual tobacco leaf. Smokers "smoke" e-cigarettes in the same fashion as they do regular cigarettes. E-cigarettes deliver nicotine directly into the user's lungs causing the same effect as when someone smokes conventional cigarettes.
Thanks for asking the question.
So I go into the website to do my insurance information and a popup box appears stating to the effect the if you lie about tobacco use you could A: lose your insurance and B: Lose your job.
So even though I don't do analogs it is still being treated as such with the new "tobacco users" medical insurance rates which happen to be well (for me at least) truly sky high and simply unaffordable for myself and my husband even as a 9 year worker.
So needless to say, this year out of my nine years working for this company I no longer have medical insurance.
So that is my rant for the day ......