How do insurance companies test for tobacco use?
May 20, 2013 1:14 PM Subscribe
Someone asked me this this morning, and I have no idea so I thought I would throw it out to the green.
posted by deliciae to Health & Fitness (8 answers total)
I was asked: "In every insurance application I have ever filled out, there is a question about cigarette smoking, and smokers are charged higher rates to reflect the higher rates of related health issues. How do insurance companies test for smoking? I am sure insurance companies have ways to figure out if you've lied on the application so they can find a reason to deny your claims, but what are they? Are there ways to get around the test results as there are with marijuana tests?"
For the record I am not encouraging anyone to smoke, or to commit insurance fraud by lying about smoking - I am wondering about this because I have never thought of it myself before today.