If you’re a smoker, chances are you’re paying more for health insurance than your non-smoking friends. If you’re looking for another incentive to quit smoking this Monday, check your premiums and see if you could reduce your costs if you quit!
Every state is different, but smoking is one factor in calculating the cost of an individual’s health insurance rates. This is called the tobacco rating, which gives insurance companies permission to charge smokers more for their coverage. Because of the additional health problems caused by smoking – from sinus infections to lung cancer and emphysema – smokers are at risk for needing more medical care compared to non-smokers. Some argue that the extra charges deter smokers from getting health insurance at all, meaning that uninsured smokers will end up paying for their medical costs out-of-pocket.
The cost of health insurance is one more reason to become a non-smoker – for your health and your wallet! The great news is that if you do have health insurance, your coverage may cover some of the costs of quitting. If you’re a smoker with insurance, medications (such as Chantix and Zyban), nicotine replacement therapies (such as gum and patches), and therapy sessions may be covered by your current policy.
If you are currently without insurance, then make sure you can start a new policy as a non-smoker! In the meantime, there are still ways to get support during your quit plan. You can browse this site for more quit tips or call 1-800-QUIT-NOW for immediate assistance.
If you’re ready to start taking better care of yourself this Monday, get in touch with your provider to see how they can help you quit and stay quit.