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Old 08-07-2013, 03:18 PM
 
6,331 posts, read 5,201,196 times
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Quote:
Originally Posted by Globe199 View Post
Do they follow up if you say no? I've heard of some companies testing for nicotine.
Urine test can detect it for 4 days.

All you have to do is not smoke for several days, but if you are addicted it's hard to do.
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Old 08-07-2013, 03:23 PM
 
Location: San Francisco
8,996 posts, read 10,439,802 times
Reputation: 5752
Quote:
Originally Posted by Don Draper View Post
Urine test can detect it for 4 days.

All you have to do is not smoke for several days, but if you are addicted it's hard to do.
Wouldn't those tests also detect nicotine from patches, gum, etc.? Seems like a rather unreliable approach.
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Old 08-07-2013, 03:25 PM
 
6,331 posts, read 5,201,196 times
Reputation: 1640
Quote:
Originally Posted by pch1013 View Post
Wouldn't those tests also detect nicotine from patches, gum, etc.? Seems like a rather unreliable approach.
Only smokers use nicotine patches.
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Old 08-07-2013, 03:26 PM
 
Location: Barrington
63,919 posts, read 46,615,875 times
Reputation: 20674
Quote:
Originally Posted by eRayP View Post
Starting next year allows health insurers to charge smokers buying individual policies up to 50 percent higher premiums. A 60-year-old could wind up paying nearly $5,100 on top of premiums. They are punishing smokers because it's not all about the smoker, second hand smoke.

Guess you did not know that private insurers have been charging smokers substantially higher premiums than non-smokers, all along.

Living unhealthy lifestyles has become the new Scarlet Letter. That’s what happens with centralized health care. But once we go down that road, it won’t end there. Smokers today, the obese tomorrow.

Notice we never hear experts wanting to “punish” the promiscuous for the cost burden they inflict on the health care system. Yet people who sleep around, like smokers and the obese, cost the rest of us plenty–what with promiscuity leading to sexually transmitted diseases, some cancers, HIV, unwanted pregnancies, mental health issues, etc. Why isn’t what is good for the goose also good for the gander?
It is easy to prove if one uses tobacco or not. No so with promiscuity.

BTW, private health insurers also take into account, the applicant's sex, height and waist measurement to determine the cost of the premium, if they choose to insure the risk.

Historically, all risks were mutualized within group policies. That's been changing, too.

Last edited by middle-aged mom; 08-07-2013 at 03:35 PM..
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Old 08-07-2013, 03:31 PM
 
Location: Barrington
63,919 posts, read 46,615,875 times
Reputation: 20674
Quote:
Originally Posted by Globe199 View Post
Do they follow up if you say no? I've heard of some companies testing for nicotine.
Most life insurance policies require a physical.
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Old 08-07-2013, 03:33 PM
 
4,176 posts, read 4,661,164 times
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Quote:
Originally Posted by middle-aged mom View Post
Most life insurance policies require a physical.
But he's talking about medical insurance.
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Old 08-07-2013, 03:34 PM
 
27,307 posts, read 16,182,912 times
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Punish boozers, dope smokers, fat people, skinny people, all the untermenschen that doesn't go with Obamas grand vision.
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Old 08-07-2013, 03:37 PM
 
11,086 posts, read 8,522,995 times
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The amusing thing is: alcoholics and heroin addicts? They're good to go with Obamacare. Not hard to figure out why.
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Old 08-07-2013, 03:45 PM
 
Location: San Francisco
8,996 posts, read 10,439,802 times
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Quote:
Originally Posted by Goinback2011 View Post
The amusing thing is: alcoholics and heroin addicts? They're good to go with Obamacare. Not hard to figure out why.

Because Obama has some nefarious secret agenda favoring white suburbanites?

http://www.medscape.com/viewarticle/753111

Heroin: ‘An Epidemic’ In The Wealthiest Suburbs « CBS Detroit
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Old 08-07-2013, 03:49 PM
 
3,124 posts, read 4,926,640 times
Reputation: 1955
Promiscuous people can easily protect themselves from disease. Smokers are SOL. This is not new. Insurance charges more for the riskiest policy holders.
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