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Originally Posted by joey2665
Wow. I am asking legitimate questions from an area I know very well.
Open market health insurance has different guidelines then normal group coverage as do plans that are self insured by the employer.
In typical group coverage which most employers have rates are composite and there are no tests of any kind or questionnaires to answer to obtain coverage.
I was merely trying to ascertain the type of plan your employer offers. I did assume initially you had a traditional non self insured group plan but if that’s not the case fine.
No need to hop on your high horse I asked valid questions and it’s certainly your right to answer or not those questions
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The specific issue is not what type of health insurance plan I am covered under. I know what type of plan covers me, and it's not relevant to the question as to whether or not some health insurance plans can and do charge a higher premium for tobacco users. The answer to that question is yes.