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Health Insurance Loopholes and the FDA

Discussion in 'Law and the E-Cigarette' started by need_2quit, Jun 18, 2009.

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  1. need_2quit

    need_2quit Super Member ECF Veteran

    Joined:
    Apr 5, 2009
    Location:
    usa
    If nicotine is now considered a tobacco product, would all the ppl that answer NO to using tobacco products on their health insurance/life insurance questionnaire that are e-smokers be under scrutiny by health insurers to get out of paying any health/life ins claims?

    Seems like the mess the FDA jurisdiction will create goes well beyond our smoking rights.
     
  2. breakfastchef

    breakfastchef Moved On

    Joined:
    Feb 12, 2009
    I do not recall nicotine being considered a tobacco product. If that were true, then nicotine inhalers would be considered cigarettes.

    Insurance companies will take some time to deal with issues like smokeless tobacco and non-tobacco products. If I no longer smoked analogs, I would be safe in saying I do not smoke or use tobacco.

    If you want a discount from your insurance company for being a non-smoker, there is probably a time period you have to be tobacco free. For BCBS of FL, I would have to be tobacco free for one year and get a note from my doctor.
     
  3. need_2quit

    need_2quit Super Member ECF Veteran

    Joined:
    Apr 5, 2009
    Location:
    usa
    yes, it's definitely confusing! I just know if they banned flavored cigarettes, there is no way they're going to let flavored e-juices fly under their jurisdiction.

    I watched michael moore's Sicko movie last year and saw what lengths insurance companies will go to not pay claims. With the nicotine, tobacco, flavored tobacco, etc mess, I wouldn't put it past them to test for nicotine before paying a claim if it could be attributed to tobacco.

    Don't know if I read it on here or elsewhere that insurance companies own a lot of stock in tobacco companies.
     
  4. happily

    happily Ultra Member Verified Member ECF Veteran

    Joined:
    May 25, 2009
    Location:
    anchorage, ak
    That could become the case, but those insurance companies already have a stack of excuses at their disposal. Just don't take the e-cig with you to do your paperwork,...
     
  5. Momof3

    Momof3 Super Member ECF Veteran

    Joined:
    Feb 18, 2009
    Location:
    Midwest, USA
    Our insurance tests you for nicotine. Doesn't matter where it comes from, you'll pay smokers rate.
     
  6. VelvetVisions

    VelvetVisions Senior Member ECF Veteran

    Joined:
    Apr 15, 2009
    Location:
    Waukesha, WI
    I believe this is the case for many these days, just try to get life insurance, they will test you. It will be interesting to see how they handle things like e-liquid since the biggest gripe most insurance claim to have is the health risks of smoking analogs. Nicotine is the only real test they currently have for determining if you are a smoker. Things that make you go hmmmmm.
     
  7. happily

    happily Ultra Member Verified Member ECF Veteran

    Joined:
    May 25, 2009
    Location:
    anchorage, ak
    tell them your addicted to the patch
     
  8. VelvetVisions

    VelvetVisions Senior Member ECF Veteran

    Joined:
    Apr 15, 2009
    Location:
    Waukesha, WI
    They won't care, to them nicotine is nicotine, you test positive you are a smoker, end of story. Ignorant people (insurance companies, not you happily... LOL).
     
  9. Momof3

    Momof3 Super Member ECF Veteran

    Joined:
    Feb 18, 2009
    Location:
    Midwest, USA
    "these days", heck I'm talking over 15yrs ago they were doing it. DH never smoked, but he did occasionally chew "Smoker's Rate" I don't remember how long I had "quit" before my test. 2 weeks of sheer heck I think and nope "Smoker's Rate" Have checked recently as DH quit almost a year back and I haven't had an analog for months. I do use 18mg juice though and I was told I would still test and be rated as a smoker. That even the patch or gum would cast me in the same net. They don't have a way of differentiating.
     
  10. Kate51

    Kate51 Vaping Master ECF Veteran

    Joined:
    Mar 27, 2009
    Location:
    Argyle Wi USA
    It's called "Gotcha". Things have sure changed in the last twenty years.
    Very interesting what the next 20 will look like. Don't ever think for one minute that you can remain anonymous any longer, from cradle to grave. You're going to be like a worker ant, just making money for your G-people! Like a Nation of Zombies, we are! "They" of course, will want you to make more than they spend on you. Geez, we gotta do something, I'm scared!
    Well, maybe just PO'd!
     
  11. denec

    denec Super Member ECF Veteran

    Joined:
    May 4, 2009
    Location:
    NYC

    you can get around those tests
     
  12. need_2quit

    need_2quit Super Member ECF Veteran

    Joined:
    Apr 5, 2009
    Location:
    usa
    I had an insurance salesman ask me if i smoked and i said i was on my way to quitting using nicorette. he replied, 'so i'll put down you don't use tobacco'. that was the question on the form = 'do you use tobacco'.

    I didn't get the insurance, because I wasn't about to lie, pay all that $ in premiums to have them stiff me in the end. I know from experience that an insurance salesman will tell you what you want to hear to get the policy ;)

    Something to think about for those with health insurance listed as a non-smoker. Life insurance also. They want your $, but they don't want to actually give you something for your money :nah:
     
  13. Momof3

    Momof3 Super Member ECF Veteran

    Joined:
    Feb 18, 2009
    Location:
    Midwest, USA
    I only bother for DH and he wouldn't have any probs with passing. He won't switch anyways. Have to wait for his agent to die first. :rolleyes: I was a teen at the time of mine. I'd be hard pressed to do better now I think with a new policy at my "advanced" age, smoker or not.
     
  14. Cancer

    Cancer Super Member ECF Veteran

    Joined:
    Apr 15, 2009
    Location:
    New Jersey
    Nicotine can come from 11 other plants in the Nightshade species besides Tobacco +plus you can make synthetic nicotine. Therefore there may be loopholes for juice manufacturers and people seeking insurance:D
     
  15. TheIllustratedMan

    TheIllustratedMan Super Member ECF Veteran

    Joined:
    Jun 12, 2009
    Location:
    Upstate, NY
    Insurance companies are businesses. Therefore, they must profit. Therefore, they must pay out less than they take in. Therefore, the average person with insurance is getting screwed.

    Just find out how much you would be paying in premiums, and start a savings account. Or a retirement account. Or whatever.
     
  16. grumpster

    grumpster Senior Member ECF Veteran

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    May 18, 2009
    Location:
    Texas USA
    Bold statement. Care to elaborate?
     
  17. tbremer

    tbremer Full Member

    Joined:
    Jun 13, 2009
    Location:
    California


    i agree with you that the average person probably does put more into insurance then they use it for, however your alternative i think is much riskier. if you get in a serious accident and your bills come to 100k, hell even 30k, chances are you wont have saved up that much...
     
  18. TheIllustratedMan

    TheIllustratedMan Super Member ECF Veteran

    Joined:
    Jun 12, 2009
    Location:
    Upstate, NY
    Nope. But if it's life threatening, they HAVE to save you, whether you have insurance or not. Physical Therapy and all that is totally optional. Besides, we're all going to die of cancer anyway, aren't we? :p
     
  19. OutWest

    OutWest Forum Supplier ECF Veteran

    Joined:
    Feb 8, 2009
    Location:
    Oklahoma USA
    It may vary from state to state, dunno, but here they dont have to treat you for cancer if you dont have insurance because it's not considered "life threatening" (at least not until the final stages, and then it's too late). One of the most heart wrenching things is seeing someone with cancer being turned away from the hospital because of no insurance. :(
     
  20. TheIllustratedMan

    TheIllustratedMan Super Member ECF Veteran

    Joined:
    Jun 12, 2009
    Location:
    Upstate, NY
    Right, I was referencing the "get in an accident" thing.The dying of cancer was tongue-in-cheek.
     
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