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My Health Insurance allows vaping as nonsmoker

Discussion in 'General Vaping Discussion' started by woodhippy, Jan 31, 2015.

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  1. woodhippy

    woodhippy Master of Know Place Verified Member ECF Veteran

    Sep 29, 2014
    New Bloomfield MO
    This just great. i was informed that I needed to sign the I quit smoking form. Because vaping is not smoking.
    I will now get the the non smoker rate and save 360 buck a Year.
    Yeah more money for my hobbies
    Woodhippy
     
  2. bacc.vap

    bacc.vap Vaping Master Verified Member ECF Veteran

    May 18, 2011
    Virtualville
    Cool, they all should do that. I think I remember someone saying that their insurance company paid for equipment for anyone who wanted to switch. Does yours?
     
  3. woodhippy

    woodhippy Master of Know Place Verified Member ECF Veteran

    Sep 29, 2014
    New Bloomfield MO
    I haven't been told that. But I told the wife I was shopping for a new tank with all the money I am going to save.
     
  4. gpjoe

    gpjoe Ultra Member Verified Member ECF Veteran

    Oct 30, 2013
    Up North
    So, do they test?

    Just curious if the do blood tests for nicotine. I am sure that more and more companies are going to impose higher health care premiums as penalties to smokers, but I'm wondering if it strictly the "honor system" or if they actually test you for nic in your system. Of course all of that is moot if you vape 0mg juice.

    Edit: OK, re-reading your post - if they are paying for your vaping equipment, then I assume they realize you will still have nicotine in your system.
     
  5. wheelie

    wheelie Ultra Member Verified Member ECF Veteran

    Feb 12, 2014
    Ont. Canada
    My doctor changed my file over to non smoker.
     
  6. cores

    cores Senior Member Verified Member

    Dec 24, 2014
    Nicotine is just a stimulant, not a death sentence.



    Sure nicotine is a poison if enough is taken. So is Fluoride. As well as the Nitrogen in the air created by mother earth.

    Just because vaping can contain nicotine, doesn't make it even similar to the deadly carcinogens in cigarettes. Insurance companies aren't stupid. They'd be more worried that vaping may be a gateway to smoking than vaping being dangerous to health.
     
  7. NCHornet

    NCHornet Full Member

    Dec 27, 2014
    Middle of no where
    I was wondering if my insurance company would do the complete opposite. That is why I only vape 0 nic. My rates are to high as it is. Besides I quit the cancer sticks 25 years ago.
     
  8. jjk1

    jjk1 Senior Member Verified Member ECF Veteran

    Apr 6, 2014
    Maine, USA
    This is a good sign. Insurance companies don’t do anything they don’t have to do that doesn’t help the bottom line. Their job is to collect as much and pay out as little as possible. Getting smokers to switch saves them money or they wouldn’t classify vaping as not smoking. Seems to me like the loudest anti vapors are in the danger business collecting grant money from people in the tax collection business.
     
  9. BrushyHillGuide

    BrushyHillGuide Senior Member Verified Member ECF Veteran

    Sep 1, 2014
    Sabinal, TX
    Too bad life insurance companies won't do the same. They were a HUGE factor in my decision to ween off nicotine (which I have) because I want to get some life insurance and I want to be able to (honestly) claim non-smoker status.

    I don't think that vaping nicotine will be considered "safe" by insurance companies in the long run. I hope I'm wrong but they will use any excuse to charge you a higher rate. Until there are definitive, massive and long-term (decades long) studies proving that there's no substantial long-term health risks to vaping, they're going to fall on the side of caution.


    Sent from my iPhone using Tapatalk
     
  10. Podunk

    Podunk Senior Member ECF Veteran

    Dec 7, 2014
    Podunk, USA
    Be very careful people. I started vaping when our insurer told us our policy rates will double when we renew in 2015 for anyone classed as a smoker. Our company pays 100% for the employee! but they decided smokers pick up the surcharge estimated at $800 per month each. The question remains whether the insurance company will surcharge anyone using any type of nicotine or device. My goal is nic free before renewal time.
     
  11. Rat2chat2

    Rat2chat2 ECF Guru Verified Member ECF Veteran

    Apr 16, 2013
    Fantasy Island
    It is wonderful to hear a bit of good news regarding vaping instead of all non-proven negativity. I am listed as a non-smoker with my doctor and insurance company. But I am not real sure if my insurance has the same definition as me. :D
     
  12. LaPascualita

    LaPascualita Full Member

    Jan 28, 2015
    Lakeland,Florida,USA
    I think vaping is still too new for anything bad to come from it. Many of us are former smokers. Any future illness can be from past smoking. Hard to prove it's from vaping. Now if you get someone who never smoked a day in their life, who picked up vaping, die from vaping related :confused: illness, there might be a problem. But what if that person was a welder, worked with chemicals, or any hazardous environment?
     
  13. JimSmith94

    JimSmith94 Full Member Verified Member

    Jan 11, 2013
    Irving, TX USA
    I had United Healthcare at a previous job. My company charged an extra $60 a month for tobacco users, but the insurance company confirmed that e-cigs are not considered tobacco, the same way that the patch or gum are not. I'm now on Blue Cross Blue Shield and listed myself as a non-smoker with no qualms at all.
     
  14. spartanstew

    spartanstew ECF Guru Verified Member ECF Veteran

    Jun 29, 2013
    Wylie, Texas
    If you're vaping, you are a non-smoker (honestly).
     
  15. PaulBHC

    PaulBHC Vaping Master ECF Veteran

    Jan 22, 2014
    Arizona
    I just signed up for health insurance again, online. It asked if we were tobacco users, defined by 4 or more times a week. I checked NO. First time in our lives.
     
  16. BrushyHillGuide

    BrushyHillGuide Senior Member Verified Member ECF Veteran

    Sep 1, 2014
    Sabinal, TX
    For health insurance I am by for life insurance I'm only a non-tobacco user if I can pass a test for nicotine; or, rather, the lack thereof. The test is extremely accurate and nicotine stays in the system a long time. Doesn't really matter if I consider myself a non smoker. I want their coverage I have to accept their definitions. Another 6 months of vaping 0mg and I'll be able to pass the test and meet their requirements for a non-tobacco user.


    Sent from my iPhone using Tapatalk
     
  17. OldBatty

    OldBatty Super Member Verified Member ECF Veteran

    Nov 28, 2014
    North Georgia USA
    (Bows) Wow, I thought I was an anomaly at 5 years. Might be difficult for you to pick the best average price to plug in, but once you do one of those signatures that calculate how much you have saved you will be astounded! Mine is over $10,000 and I am in the state with the third lowest tax in the nation. Also quit two weeks after the federal tax jumped from $0.39 per pack to $1.01 per pack.
     
  18. woodhippy

    woodhippy Master of Know Place Verified Member ECF Veteran

    Sep 29, 2014
    New Bloomfield MO
    E-cigarettes create quandry for health insurers, policymakers : Special

    “For our individual business we do not consider e-cigarettes as tobacco use that can affect the rates we charge,” said Deb Wiethop, a spokeswoman for Anthem Blue Cross Blue Shield in Missouri. “We interpret tobacco as products that contain tobacco such as cigarettes, cigars, chewing tobacco, and snuff.”

    “At this time Coventry Health Care, an Aetna company, does not ask about or rate for e-cigarette usage,” said spokesman Rohan Hutchings. “Aetna’s policies and procedures [will] be revisited as future guidance dictates.”

    Anthem Blue Cross Blue Shield is the one my employer is with.
    I found the above online this mornin.

    Woodhippy
     
  19. woodhippy

    woodhippy Master of Know Place Verified Member ECF Veteran

    Sep 29, 2014
    New Bloomfield MO
    They are not paying for my equipment
     
  20. spartanstew

    spartanstew ECF Guru Verified Member ECF Veteran

    Jun 29, 2013
    Wylie, Texas
    Either way, if the question asks if you are a smoker or non-smoker, non-smoker is the right answer.

    If it asks if you are a nicotine user, that's different, but that's not the question I was responding to.
     
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