My company is considered self-insured, although we're not using cigna.... Company policy drives the costs of our insurance.... We don't have smokers and non-smokers, we have tobacco users and non-tobacco users.... They consider vaping as tobacco use, right along with patches and gum and other "FDA approved" products.... You can't quit tobacco on your own, you have to go through the company's quitting program so they can monitor usage of NRTs and only after testing negative over a period of time after the course, you can be labelled as a non-user.... A non user gets $100/month off the family plans and $50/month off the individual plans.... There's no testing for anyone until you try to remove the user label, though....
Oh, what I find more ridiculous is they'll label you a user if you even have just a cigar in celebration of having a baby (if people still do that....). And, I could have a 17 year old smoking two packs a day and he wouldn't be considered a user until he was legally able to buy and use....