So has anyone tackled the insurance question? I would like to get the lower rate on my life and health insurance, so of course I dont smoke anymore but I do use nicotine. So am I a smoker? Do I have to give up my beloved nicotine? And if I do go with non nicotine juice am I certain no nic will show on a health screen?
Ok So new question for insurance
- Thread starter bigjr
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Bigjr sir most insurance companies have an option for non-smoker but on NRT. You might need to talk to an actual person with whatever company you're signing up with though if that option isn't available on whatever forms you're filling out.
At this point you are going to be stuck in the catch 22, you cannot use Vaping as an NRT and due to the fact that if you are using any juice that has nicotine it will show up if they require testing,, so you will still be lumped in as a smoker. If you have no intake of nicotine none should show up on the test.
Thanks for reaching out bigjr. I wish I could give you a more definite answer but I think it really depends on how your health insurance company views nicotine use. I know some health programs just label you "smoker" or "non-smoker" while others just ask if you're a "nicotine user" so they try to include vaping. I'd just review your plan to see how what wording is used to see where you'd qualify.
Most insurance companies have different underwriting criteria. Your health ins might look at you as a smoker and life ins might clasify you as a non smoker???
Bigjr sir one I have had 3 different options-
Smoker, non-smoker, and the invisible NRT user. Had to call my insurance company and talk to them because as my yearly physical states (have to for DOT card so I can drive the trucks at work) I'm non-smoker who uses nicotine. Was informed that was an option but only by calling, getting the same rates as a non-smoker. With NRT therapy having to remove the long use warnings because long use testing has proven it to be no more harmful than a daily caffeine user they had to adjust their policies. They just don't openly have it listed as an option on their on-line fill out forms.
Smoker, non-smoker, and the invisible NRT user. Had to call my insurance company and talk to them because as my yearly physical states (have to for DOT card so I can drive the trucks at work) I'm non-smoker who uses nicotine. Was informed that was an option but only by calling, getting the same rates as a non-smoker. With NRT therapy having to remove the long use warnings because long use testing has proven it to be no more harmful than a daily caffeine user they had to adjust their policies. They just don't openly have it listed as an option on their on-line fill out forms.
I would just say your a non smoker. If you get backed in a corner and have to take a test just stall for 2 or 3 days, don't vape, and you should pass the test just fine
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