Failed Nicotine test for insurance
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Evil jerks.
I pay $80 more a month for my health insurance for tobacco use.
Gotta get down to 0 nic.
I don't see how they could treat them the same since smoking (and thus, vaping) is legal. I also don't see why they use the continine test when they'd get the same results for anyone who chews the gum, wears the patch or uses a nicotine inhaler. Nicotine isn't the ingredient in cigarettes that kills people. It's all the other harmful, carcinogenic addivtives and carbon monoxide that do all the killing. If my health is improving since I started vaping (or using any other NRT for that matter) then why should I be penalized for it?
We can state that we are doing a cessation program which has to verified by a doctor. In this case there would be no test. Vaping does not qualify as a cessation program unfortunately.
This just struck me as so incredibly true and real!
I now feel the urge to call my sister, who has definitely personified the "encouraging and supporting when asked" and never gave in to any desire she might have felt to scold me about my many years of cigarette smoking.
For a second there, I was thinking, "Cool! If I'm ever in a LOST or Giligan's Island type accident I'll know what foods to eat to ease the inevitable withdrawal, but those amounts are pretty negligible.
Is there and Irish/potato joke in here somewhere?
Is there and Irish/potato joke in here somewhere?
hu.....funny to me really...I told my insurance "Farmers" that both the wife and I quit smoking and started on ecigs. They said great!...Good for you... then adjusted our monthly bill.
HA! no testing was done thou.....
HA! no testing was done thou.....
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Nic will leave the bloodstream pretty quickly, just stop vaping for a few days, when she comes back to take the test you will show clean ! in fact tell them you cant make it or try to reschedule it for a week because you have an emergency, whatever the excuse may be so the Nic is out of the system when she re-test you !
You might want to give it a week or more. Cotinine (the stuff they check for in a "nicotine" test) can stay in the body for over a week, depending on various factors. Get a bunch of at-home test kits (you can find them online for $3-5 a piece, even less if you buy in bulk). Those will trigger positive at 200ng/mL, which is the "medium to heavy" smoker level (light smoker is around 100ng/mL, non-smoker is 10ng/mL or less). Taper yourself down to 0-nic juice and do a cotinine test every day or three until it shows up negative. At that point you should be pretty much in the clear, though if your insurance uses a more sensitive test they might still peg you as a smoker, or at least a tobacco user.
My insurance company says you have to be 'cig' free for 18 months and THEN go through testing at the drs office to apply. Real PITA.
the major problem we are facing; there are no standards yet. Ecigs are reletively new to the mainstream market and they just haven't decided on how to catorigize them yet. As soon as the Big Tobacco and the FDA -and all stop bickering and we get classified, only then can they be treated as they should. In a seperate catagory. Until then, we'll just be lumped in with tobacco.
Sent from the beach
the major problem we are facing; there are no standards yet. Ecigs are reletively new to the mainstream market and they just haven't decided on how to catorigize them yet. As soon as the Big Tobacco and the FDA -and all stop bickering and we get classified, only then can they be treated as they should. In a seperate catagory. Until then, we'll just be lumped in with tobacco.
Sent from the beach
My doctor would probably verify for me. I know a cardiologist that would too.
Nicotine no matter how you take it raises your blood pressure, which is one of the leading causes of a stroke. Even if you test clean for it and die somehow next year and the autopsy detects nicotine in your system, wouldn't that void your policy because either you lied or failed to notify your insurance company of the change? If you use any nicotine product the insurance company has the right to increase your rates vs somebody that does not, but it should be less than a smoker imo.
I'm glad to hear that Wolf. It's nice to know that doctors see it as a way to get off cigarettes finally...well not all doctors but some are.
If where the OP is from is like the states, his policy face amount must be pretty large to get the in home nurse treatment. I know here in Texas you can get a $500K policy pretty much through disclosure only, but if you go higher than that, you get the physical. They look you over good for a $1MM policy. They gave me an EKG, balance test, reflexes, the works. It was probably the most thorough physical I have ever had and I have had several. I recall some language in the policy about disclosure and how by signing you agree that all statements made by you are true. If you lie about anything and if they find out about it, they have the right to deny any claims when you die.
It may be one of the reason's for when you see stories about a death and an almost immediate cremation.
It may be one of the reason's for when you see stories about a death and an almost immediate cremation.
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