Sid_Vicious
08-28-2008, 01:06 PM
I know lots here have smoked and quit, all need health care before and after cessation, so I'd like some help with new health care demands which I now have following retirement. The cigs were already going to be a thing of the past once this threshold of retirement has hit...my health and finances are premier now for sure, besides I've looked forward to both retirement and becoming a non-smoker again.
I am currently researching individual health care providers for an individual plan, KNOWING that the smoking has got to go, AND WILL. My past insurer never questioned whether I smoked all these years, which I didn't smoke except for the past few years. Many of the recent physician's visits and referrals to other physicians did ask, and I was truthful about smoking on their forms.
Has anyone stopped smoking, and then gotten HC insurance as a non-smoker, or are you trapped for life with the Scarlet Letter of smoker even years down the road on a new policy? Presently I am hesitant to fill in questionaires for quotes with my personal information, when I come to the check box of "Tobacco", not knowing if this will trap me in one of two ways.
1. I answer "NO", do genuinely quit smoking and eventually, somehow have my recent "YES" on recently documented physicians forms become portable and known to the new provider.
2. I answer "YES" for the quote to simply see the difference, and decide to take that provider as a dedicated, new non-smoker, having already checked the quote request form as "YES."
I ask that this remains a HC related topic and not "How To Stop Smoking", I'll manage that task. Maybe there is a discussion group somewhere with this subject matter besides with HC questionares, but I've not found it yet, so I posted here to y'all.
PMs are welcome on this post, actually it may be better if it was PM advice, but it isn't necessary. Tia...sid
I am currently researching individual health care providers for an individual plan, KNOWING that the smoking has got to go, AND WILL. My past insurer never questioned whether I smoked all these years, which I didn't smoke except for the past few years. Many of the recent physician's visits and referrals to other physicians did ask, and I was truthful about smoking on their forms.
Has anyone stopped smoking, and then gotten HC insurance as a non-smoker, or are you trapped for life with the Scarlet Letter of smoker even years down the road on a new policy? Presently I am hesitant to fill in questionaires for quotes with my personal information, when I come to the check box of "Tobacco", not knowing if this will trap me in one of two ways.
1. I answer "NO", do genuinely quit smoking and eventually, somehow have my recent "YES" on recently documented physicians forms become portable and known to the new provider.
2. I answer "YES" for the quote to simply see the difference, and decide to take that provider as a dedicated, new non-smoker, having already checked the quote request form as "YES."
I ask that this remains a HC related topic and not "How To Stop Smoking", I'll manage that task. Maybe there is a discussion group somewhere with this subject matter besides with HC questionares, but I've not found it yet, so I posted here to y'all.
PMs are welcome on this post, actually it may be better if it was PM advice, but it isn't necessary. Tia...sid