Quote:
Originally Posted by TMI Guy
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.
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You are misunderstanding.
The type as far as is the policy through open market, self insured, traditional group coverage which is how your employer obtains the policy not the type of coverage the employee is receiving.
Although your coverage maybe let’s say Blue Cross for example your employer could have obtained it traditionally or Blue Cross can underwrite a self insured plan. If it’s self insured it can have much different rules such as surcharges that traditional policies don’t have. Self insured though exist certainly are not the norm.
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