Help, Info for Health Insurance Rules

[AmyB66]

I just called my company's insurance claims office, they deal with enrollment and all the rules etc.

Not sure where to post this, it is a legality thing because I don't want to falsify insurance information, take a discount when I shouldn't or loose a discount because I should have. Open enrollment is coming up and I sure would prefer to pay the nontobacco user premium.

Here's the thing, I called and the lady never even heard of an electronic cigarette. I told her to skip her supervisor and go directly to the person who handles the tobacco part (there happens to be a person who's job is just tobacco stuff, wow)
Anyone have some good printed info/documents I can pass on to my major corporation that happens to be a large pharmacy chain?

 

[ejoker]

i can tell you that my life insurance company does not offer reduced rates if you're still using nrt (including e-cigs). the testing they do is for nicotine, not tobacco usage. i had a lengthy discussion with them about the actuarial risk of nicotine versus smoking. that was a thick, large brick wall ... my head still hurts.

 

[AmyB66]

I was pretty much figuring I'd run into the same brick wall. They ask if you are a tobacco user and since the nicotine used to make the e-juice is from actual tobacco then technically I would be a tobacco user. It would be nice to save the extra money but I know it takes one split second that has nothing to do with what is in one's control to put you in a position of hundreds of thousands of dollars in medical bills.

I am still waiting to hear back though, it should prove to be pretty interesting. I have read threads with regards to life insurance but haven't found anything yet in regards to health insurance. Makes no sense to me but then there are lots of things in life that one would think would be common sense that just get complicated and ridiculous even though an average person could give a very simple answer and solution.

Worse case, I am not paying for cigs and I will live a good longer life and while yes the savings would be helpful, I won't risk it. Now if it said "Smoker" instead of tobacco user, I think that would be a completely different battle. That's why they pay those who write up this stuff the big bucks! LOL!

Perhaps I am posting in the wrong place, I would sure like to find more info on the health insurance end of this. I can't be the only one who works for a corporation that charges extra ''premiums" for 'tobacco user' status.