Since smokers often have to pay a higher rate for insurance, I wonder if anyone has thought about how or if switching to vaping might benefit them in that regard.
You would still test positive for nicotine and it's metabolite cotinine on a pre-insurance physical if you vape with nicotine.
As far as I know, the mere presence of these substances put you into the tobacco user category. Like NRTs would.
Any insurance agents out there care to comment?
Do we need to think about educating the insurance companies?
I have a feeling they would not care that we aren't using tobacco, per se, and would just continue to charge us the tobacco user's rates.
You would still test positive for nicotine and it's metabolite cotinine on a pre-insurance physical if you vape with nicotine.
As far as I know, the mere presence of these substances put you into the tobacco user category. Like NRTs would.
Any insurance agents out there care to comment?
Do we need to think about educating the insurance companies?
I have a feeling they would not care that we aren't using tobacco, per se, and would just continue to charge us the tobacco user's rates.