Do you smoke? Y/N
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Overcharge? They'll be happy to show you the charts of expenses they've tabulated for chewers and dippers! That is not a healthy practice. Our goal, though, should be to get companies to recognize harm differences involving various tobacco and nicotine products. A smoker or dipper would get the very highest penalty; an e-cig user or snus user would get a much lower premium. All nicotine and tobacco is not equally harmful, yet all users are treated as if they smoked 30 cigarettes a day.
Love ya TropicalBob, but I don't see them charging extra for the obese. Lets see a chart comparing the french fry lovers and salt suckers to dippers and chewers!
Oh .. we very much agree. The insurance practices infuriate me, and worry me that before long, with our medical records computerized in a large database, the companies will be able to identify people with a genetic proclivity for cancer, or diabetes, or heart failure, and charge even higher premiums for those unfortunate folks. Not good ...
Thou shalt not eat cauliflower. You will have trace amounts of nicotine.
Everyone needs to stop deluding themselves. PVs don't get the monkey off your back. You're still just as addicted to nicotine as you were before switching. The reality is that health insurance companies are in the business of denying claims. That's how they make their money. They do now and always will consider anyone with high nicotine levels in their blood to be smokers. It makes no difference that your risk level is drastically lowered (we think) by using a PV. You're still a nicotine addict, and that's what they take issue with.
Unfortunately you are correct. I tried at one point to quit completely by vaping zero nic, by the 2nd week I realized I was going through major nicotine withdrawl symptoms and was almost ready to start analogs again. Luckily I had a charged battery and some 16mg juice. Half hour later (constant vaping) I was no longer in need.
Now I just say I don't smoke anymore but use NRT. If they press I tell them about the e-cigs (they usually smell that I am not lying though).
CoderGuy
My carrier told me to check "Non Smoker"
Only works to lower premiums after a year.
Only works to lower premiums after a year.
Sun, Queen,
At one time I had quit for 4 years. After a year, I signed an affadavit saying I had not used 'tobacco' products for the past year. That allowed for lower premiums. When I started again, I asked my sister (who had spent her whole life as an insurance agent) what I should do. She spoke to the underwriter and this is what I was told. 'If you die and they find you have been using tobacco products, they would still have to pay on the policy. However, they are within their rights to deduct the difference (between smoking and non smoking premiums) that you were not paying.'
I suppose things could have changed since then and I imagine you would have to read the fine print in your policy.
Edit - I should add - this was for life insurance - not health insurance.
At one time I had quit for 4 years. After a year, I signed an affadavit saying I had not used 'tobacco' products for the past year. That allowed for lower premiums. When I started again, I asked my sister (who had spent her whole life as an insurance agent) what I should do. She spoke to the underwriter and this is what I was told. 'If you die and they find you have been using tobacco products, they would still have to pay on the policy. However, they are within their rights to deduct the difference (between smoking and non smoking premiums) that you were not paying.'
I suppose things could have changed since then and I imagine you would have to read the fine print in your policy.
Edit - I should add - this was for life insurance - not health insurance.
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I guess I'm in the minority because I view vaping as smoking. My take on the subject is that if any substance is heated to the point a vapor is produced...it is smoke. An example would be cooking oil left in a heated pan too long. Further, the percent of oxygen in our atmoshere that is inhaled is 21%. and we exhale approximately 16% of the oxygen from our intake. Exhaled oxygen is warmer and more moist. Thus, I could deduce from the above model that a vapor mist from chemicals or flavorings would not be totally absorbed by our system and expelled in our vape cloud that was created by heating the chemicals in the carts/liquids...a chemical combustion.
The same effect can be witnessed from the emissions of the tailpipe in a chemical combustion engine in an automobiles, flame is not required.
The same effect can be witnessed from the emissions of the tailpipe in a chemical combustion engine in an automobiles, flame is not required.
Wow, and all a long I thought "smoke" was a product of combustion, or the burning of organic material.
Learn something new every day...
I loved smoking - I now love vaping. It contain about 4000 less chemicals than smoking but it gives no less of the pleasure.
If you want to call them as the same thing, that is ok by me.
Rusty (white/grey stuff that comes out of mi gob on exhale lover!)
If you want to call them as the same thing, that is ok by me.
Rusty (white/grey stuff that comes out of mi gob on exhale lover!)
You can view it as anything you want, but smoke is a specific thing. Vapor (what a PV creates is actually more like mist) is not smoke. Saying that it is is like saying that pure grain alcohol is water because it's liquid and it's clear.
i am a completely casual/social smoker. one normal pack of analog smokes could last me several months if they didn't go stale. for whatever reason i don't get addicted to nicotine at all. i am now using 0 nicotine ecigs 
Correct. Smoke is a specific byproduct of combustion or pyrolysis, both usually dealing with the chemical decomposition of organic materials.
The byproduct of PVs is vapor, which is more like steam. Steam is not smoke.
I think we need to question whether the healthcare system is even worth the bother? Everyone I know who's contracted a terminal disease has died from it? The 'healthcare' insurance only served to allow the hospital that charged $20,000+ and doctors that charged $200.00 for poking their heads in the room to get richer? I'm thinking that I might be better off taking my chances like my grandfather and his father before him did? Their healthcare insurance was their gun... I'm also wondering if constantly worrying about healthcare coverage doesn't bring on healthcare issues? I know that if I were to get terminally ill, I'd take care of ending my life myself while I still could. Bullets are still cheap, rope and rafters are readily available, and gravity is always trying to plunge us to our deaths anyway. LOL
Robbie
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The byproduct of PVs is vapor, which is more like steam. Steam is not smoke.
Im starting to feel its more than vapor. I think something in the liquid or filter etc. is actually causing some kind of smoke or burning of some kind of substance. for example. If u vaporize water notice the consistency of the vapor/smoke. compare that to lady's example of burning olive oil. the smoke just seems a little too thick and lasts in the air for a little too long. Something about it seems to mimic smoke too well lol. I dunno if its a tiny organic component that burns or is simply just he nature of PG mist, but it def seems to have a lot of smoke properties.
Im starting to feel its more than vapor. I think something in the liquid or filter etc. is actually causing some kind of smoke or burning of some kind of substance. for example. If u vaporize water notice the consistency of the vapor/smoke. compare that to lady's example of burning olive oil. the smoke just seems a little too thick and lasts in the air for a little too long. Something about it seems to mimic smoke too well lol. I dunno if its a tiny organic component that burns or is simply just he nature of PG mist, but it def seems to have a lot of smoke properties.
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