Why don't health insurance companies cover smoking cessation products?I'm really just whining here but if anyone has a true answer, I'd appreciate it. Health insurance companies want to charge me more because I smoke, but non of them cover Chantix, the patch, the gum, hypnosis, accupuncture---nothing!
They charge me more because I am a health risk, possible to cost the insurance company more in the future. So why not help me pay for things that might help me to quit, eventually lowering theirs and my costs?
WHY????
Steve D
Some do cover those types of things once.
wmayers99
Depends on what state you're in. Some mandate far more illness-preventing support than others. In New York, certain anti-smoking measures are indeed covered by health insurance.
MSAD
So do cover those items.
However, your employer (if you get your health insurance through them) did not purchase one of those plans.
What's covered is determined by the plan you (or your employer) purchased.
Sorry, but you have to take this one up with your HR dept. (or who ever purchased the plan).
mbrcatz
Mine does.
If you're looking at a group policy, for more money, the employer can choose to cover it.
If you're looking at an INDIVIDUAL policy, well, the smoking is a PREEXISTING CONDITION. Plus, you KNOW smoking means more medical expenses, right? So you're PAYING more, because of the increased likelihood over nonsmokers, of bronchitis, asthma, lung cancer, the like. But they don't cover the products, because, well, you could PAY for them out of your cigarette money, and if you're financially invested in quitting smoking, it's one more reason to quit. Plus, it's a preexisting condition.
debijs
~~There are very many who will cover cessation programs. Call you insurance customer service number (on the back of your insurance card),and ask them if they have a program available to you. Best of luck~~
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