medical insurance ( save even more money )
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My first thought is Yep! you are a non-smoker with your vaping, if you vape 100% of the time. No tobacco, not smoking. Of course, you might want to find someone in the insurance industry (health in particular) to verify this. Just think if your a self-insured. You will have to prove, possibly with your doctor's co-operation, that you've stopped smoking. You would save a ton of moolah.
If the company requires a blood test or something of that nature, they test for nicotine, and are still stuck with the "smoker" stigma.
Yes that is true nagios but u can still be a non smoker can chew nicotne gum and if they test u there is really know way to prove you are a smoker. I am going to have to look into this more.
I would definitely ask your health insurance provider, as the risks are too high if you lose. If you lose, the best thing that could happen is you will be responsible for the difference in the premiums from the time it was switched to the lower rate to the present. If they wanted to get a little more pissy, they could then raise your rates even higher, or even decline to insure you at all. Oh, and if this is through your employer, you could very well lose your job as well. And then they could sue for fraud.
I am not saying they would do all of that, just that it is possible.
Now, I would hope you have a insurer that is enlightened; however, I haven't heard of any yet.
While true that you are not smoking, read the fine print. I saw one the other day that mentions in the fine print that it is nicotine use, not the actual act of smoking that their rates are based on.
I am not saying they would do all of that, just that it is possible.
Now, I would hope you have a insurer that is enlightened; however, I haven't heard of any yet.
While true that you are not smoking, read the fine print. I saw one the other day that mentions in the fine print that it is nicotine use, not the actual act of smoking that their rates are based on.
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It greatly depends upon the specific question and definition your medical insurance company has for "smoker". Most companies are most interested in the larger phrase of "using a tobacco product" and as a vaporer of nic juice you are still going to be considered a "smoker" as long as you are consuming nicotine which can be detected in your blood work.
In that case you would be considered to be a non-smoker as no nicotine will be present in a bloodtest.
True - it's in the wording of the question. With policies I'm familiar with (I'm not in the US, so not sure how it is there) the question normally includes smoking of all types, and nicotine replacement products, so in that case if you use an e-cig you are classed as a smoker. As part of the application a cotinine test could be requested.
It really depends on what kind of test they do. If a urinalysis test, then up to 20 days. If a blood test, up to around 80 days. If a hair follicle test, even longer (not sure on length). A lot depends on how much you smoked, and for how long.
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