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...they do. Do you think your insurance company asks you if you smoke because they want to bum one?
by selectodude 7y ago
...they do. Do you think your insurance company asks you if you smoke because they want to bum one?
- kevin_thibedeau 7y agoEmployers also carry some of the burden. By making their pool healthier U-Haul gets a better deal.
- deleted 7y ago[deleted]
- swozey 7y agoIs this a common question and I'm just not remembering it? I can't recall one time in the last 10-15 years where I've had a company insurer ask if I'm a smoker. I just pick PPO/HDHP from a list of options. I did this a month ago and don't remember it at all.
- giobox 7y agoWhile my Dr of course wants to know, my employment based health insurance plans in the US have never once asked if I was a smoker. They don't really ask anything, other than "which plan would you like?" - if you pay for it you get it. Happy to be corrected by someone who knows more, but my understanding is the major deciding factor in the cost of a workplace plan is average age of the workforce at the company, basically little else. For companies I've worked for, the individual health of those who work there was not factored at all. I'm willing to bet that if you tell the insurer "we don't hire smokers" you likely get a better price though.
- kevin_thibedeau 7y agoMy plan asks. It may vary by state and my employer is self-funded so they may have influence over the questionnaire.