insurance and their views of vaping

[Drunkwaco]

Mmm i was reading a forum down in vaping everywhere. When someone asked how insurance would look at vaping. It was very interesting and got me thinking. Ok there is a 50/50 chance they want to just threw it right in with smoking tobacco and charge higher for said vaper. But most insurance company’s I’ve been with in major company’s (blue cross being the biggest.) takes a contract with a company Say Nike for example. every employee there get's the same flat rate as everyone else. When this happens they supply many quit smoking tools as they can. Less smokers under there belt more money they make. It's about money you see. If we could get insurance company’s to start using this as way to save money and give smokers info about vaping then that would really humanize vaping not even counting how much in the spot light vaping would get. This could very well be the next street we can take.

Anyone agree or am i just crazy from having to be at work this damn early?????

 

[TheIllustratedMan]

It's an interesting idea, but I highly doubt a reputable insurance company is going to go anywhere near a specifically "UNAPPROVED" device. Once they're approved, then maybe, but by then you've gotten all you wanted anyway, and only the vendors are benefiting from the idea.

 

[TropicalBob]

Sounds reasonable, but isn't. Our nicotine vapor produces cotinine in the urine, the same stuff that marks a smoker of tobacco. No company testing smokers would know for sure whether an individual had inhaled smoke, or sucked in vapor. Big difference from a health standpoint, we all think. No difference from a test standpoint. And "trust" is not something to offer an insurance company.

Illustrated Man is also 100% correct. We tend to forget that e-cigs have not been tested and approved. Exactly the opposite, in fact. The FDA has said so loud and clear.

 

[twoshadetod]

How does someone that uses the nicotrol inhaler or gum/patch turn out? Can they tell the diff? If not I'd just tell them I use the inhaler.

 

[TheIllustratedMan]

I would imagine, that since those are cessation products designed for short-term use, they would still look at you as a smoker. The idea being that if you're using an NRT you *were* a smoker up until (at most) 6 months ago. Because of the short time since you smoked, you are still a risk to them.

That's not based on anything but my own mind...

 

[twoshadetod]

Damn that sucks. I always laughed at those types of tests

Most at risk of getting caught:
Cigs, Weed

In the clear:
Crack, ......, Crystal ...., Extacy

 

[Vista Chris]

I have discussed this with multiple insurance co's including state farm.

You are either a smoker, or a non-smoker, is what i've been told.

"vaper/non-vaper" is not part of their policy, nor does it affect it.

So, at least with the companies i've discussed it with, saving money on insurance is not only feasible, it is reality.

Again this is my experience. Anyone with a contradicting experience would be nice to hear it. Has anyone asked their/a rep?