Tilted Forum Project Discussion Community - View Single Post - effect of marking tobacco user on health insurance application?

dy156 · 12-02-2003, 08:01 AM

At work, we're changing health insurance, and I dip tobacco and smoke cigars occasionally with my friends. Should I check no, and feel dishonest, rationalizing to myself that I will probably never get lung cancer, and that's what the insurance company is afraid of?

Should I check Yes, and risk increased rates, possible denial of coverage, or have them cover me, and somewhere down the line, heaven forbid, I get lip/throat cancer and find out there's an exclusion for that?

Anyone in the insurance business?
Anyone in a similar situation?

Thanks in advance

12-02-2003, 08:01 AM	#1 (permalink)
dy156 cookie Location: in the backwoods	effect of marking tobacco user on health insurance application? At work, we're changing health insurance, and I dip tobacco and smoke cigars occasionally with my friends. Should I check no, and feel dishonest, rationalizing to myself that I will probably never get lung cancer, and that's what the insurance company is afraid of? Should I check Yes, and risk increased rates, possible denial of coverage, or have them cover me, and somewhere down the line, heaven forbid, I get lip/throat cancer and find out there's an exclusion for that? Anyone in the insurance business? Anyone in a similar situation? Thanks in advance