Admit tobacco use on health insurance application?I am finally getting my health insurance benefits at work through Medical Mutual of Ohio. I have been a smoker for the past few years and at one point quit (using Chantix), but started again. I had the same health insurance company when I was taking Chantix through my father while in college (so I know Medical Mutual will see that I took the drug). Should I now admit to smoking again on my health insurance application? I am only 22 and am perfectly healthy in every other reguard. What would be the consequence if I lied?
At some point soon I want to get the Chantix drug again and attempt to quit. I really don't want to upset my employer, however, with a high quote for me because I am a smoker (it's a small business).
What should I do?
higginsfront@sbcglobal.net
I really wouldn't lie. They will find out. Take my word for it, quit now. If you think it's hard at 22, wait until you're 42 and it's 10 x harder.
Judy B
If you lie you will invalidate your insurance.
Tell the truth, then get the Chantix and try to quit again.
Veritas
Tell them the truth and state that you are in the process of quitting.
denny4insurance
Yes, you need to be honest on your application. When they find out they will cancel your insurance and will negate any claims they have paid out on your behalf. What that means is any money they paid to doctors, hospitals, pharmacies, etc will have to be paid back to them. Guess who will be responsible for paying it back. Yes it will be you. You will be much better off to always be honest when applying for insurance.
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