So I've finally caught up with reading (working on the ambulance today with rock solid internet thank goodness).
Those of you who know me, know that I'm a college professor during the week, right... in Texas (yes, it is all bigger and better here) as such I'm a member of Employee Retirement System or ERS for short. It's a big state wide grouping that handles all Texas Employees. (stand by, I'll get to the point when I get there and not before)
Recently we got this email updating our benefits for the new 2011-2012 school year.
Tobacco user certification coming soon
Under state law, tobacco users will pay higher premiums for their health insurance coverage starting January 1, 2012. From November 7 to December 9, employees and retirees will be asked to certify if they or their covered dependents use tobacco. See frequently asked questions and answers.
So I clicked on the link and copied what I found below. I think you will all find #3 interesting related to recent discussions. Now, this is coming from the state of Texas...
Tobacco User Certification Questions and Answers
Under state law, tobacco users will pay higher premiums for their health insurance coverage starting January 1, 2012. If you or a covered family member uses tobacco, you will pay $30, $60, or $90 more each month in additional health insurance premiums, depending on how many tobacco users you cover.
1. Why did the Legislature make this change?
State officials are concerned about Texans' health, and the cost poor health has on health insurance and the state budget. They passed the measure as an incentive to help people quit using tobacco and live longer, healthier lives.
2. Who will be considered a tobacco user?
In order to certify that you do not use tobacco, you must not have used a tobacco product more than five times in the previous three months.
3. What is considered a tobacco product?
A tobacco product is defined as cigarettes, cigars, pipe tobacco, chewing tobacco, snuff, dip, or any other product that contains tobacco. It does not include an electronic cigarette or e-cigarette that does not contain tobacco and is designed expressly for smoking cessation.
4. What about nicotine replacement therapy?
Nicotine replacement products like gum and patches are not considered tobacco products.
5. How do I certify that I’m a tobacco user, or that someone I cover is a tobacco user?
During the initial certification period, which will be from November 7 to December 9, 2011, you will have to declare that you or your covered dependents use tobacco products. You will do this by signing in to your online account and completing the certification, or by printing a certification and mailing it to ERS. You can also call ERS toll free at (877) 275-4377. If you or anyone you cover uses tobacco, you will have to pay the higher premium.
6. How much will tobacco users pay?
The additional monthly premium will be based on three tiers: Member, Spouse, and Child. The maximum additional premium is $90 a month.