Boboro
Well-Known Member
The ol'lady was at a dentest office and was asked to breath into this thing. It not only tells if you smoke but how much. Recon what thease dam things will be used for?
Tobacco breathalizer
- Thread starter Boboro
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Smokers have to pay higher insurance premiums. If you lie and say you don't smoke to get out of paying extra, you're guilty of fraud. They can either deny coverage or make you pay the extra that you should have been paying, including "back pay". One more intrusion of the gov't or insurance companies into our private business.
I'm covered by my wife's insurance from work. It costs me $90.00 more per month because I'm a smoker. My guess is that the insurance companies, or the gov't thru Obamacare, are forcing providers to look for fraud at "point of use" if they want to get paid.
I'm covered by my wife's insurance from work. It costs me $90.00 more per month because I'm a smoker. My guess is that the insurance companies, or the gov't thru Obamacare, are forcing providers to look for fraud at "point of use" if they want to get paid.
winston-smoker
Well-Known Member
If this should be a government mandate through Obamacare, it is just another sign that the U.S. Constitution is becoming a meaningless scrap of paper. If this tobacco breathalizer test were directly administered by the government, then it would be an "unreasonable search." The constitutional loophole might perhaps be that it isn't a government agent administering the test, but an allegedly private practitioner, at the bequest of an allegedly private insurer.
P.S. Aside from the fact that lying would be committing insurance fraud, it is a bad idea to conceal a health fact such as smoking from one's doctor, as this is information that your doctor needs to know.
Boboro
Well-Known Member
But will be put on the net to be used against you.
leverhead
Well-Known Member
Damned Bookies! I wish it was a pee test, I'd ask them to hold the cup.
Proving fraud would be nearly impossible unless there is a clause in your policy that requires you to inform the insurance company if you START using tobacco.
What's your best guess as to why they are checking for smokers at a dentists office rather than taking the patients' word for it?
Southern Planter
Well-Known Member
I smoke very few cigars a year, 24 or less. What do the jack boots consider to be a tobacco user?
bonehead
Well-Known Member
any so they can make a buck.
winston-smoker
Well-Known Member
Most insurance policy application forms, it's one tobacco use (regardless of the kind) in the last 12 months.
Southern Planter
Well-Known Member
Lets say a guy grows and works in tobacco, he gets more nic than a smoker. Yet he does not smoke. I'm sure the damn test will show him a as smoker. Bloody stupid.
Just because you go to the dentist and they ask you to breath into a ring, or even to pee into a cup you DO NOT have to oblige them. I always am asked by my dentist if I would like an oral swab test to test for mouth cancer. I turn them down politely.
BTW, I bought half a dozen "nicotine pee sticks" off E-bay awhile ago. These are the things a lot of medical people use to determine if you smoke. You pee on the thing (or if your a woman you pee into a cup, then dip the thing into the cup then spend 15 minutes washing your hands) and then look for a color change. I've determined (for me) that it takes 3 days of no tobacco for the stick to declare that I am not a smoker. They were cheap too, something like $2.00 apiece.
BTW, I bought half a dozen "nicotine pee sticks" off E-bay awhile ago. These are the things a lot of medical people use to determine if you smoke. You pee on the thing (or if your a woman you pee into a cup, then dip the thing into the cup then spend 15 minutes washing your hands) and then look for a color change. I've determined (for me) that it takes 3 days of no tobacco for the stick to declare that I am not a smoker. They were cheap too, something like $2.00 apiece.
DGBAMA
Well-Known Member
I offered my brother-in-law one of my home rolled cigars and he said he would love one but politely had to decline. His new life insurance policy is "zero tolernce" to get the best rate. ANY trace of smoking would turn him into a "smker" and VOID his policy. If he smoked a cigar then had an accident, the autopsy would void his policy and leave nothing for his family; even though tobacco had nothing to do with his death.
Brown Thumb
Well-Known Member
My life ins. Policy costs me a small fortune due to I smoke.
And is void if I were to commit suicide.
And is void if I were to commit suicide.
BarG
Founding Member
Deny .deny, deny. They will never know till the autopsy.
I didn't inhale even if I would have smoked it..
I didn't inhale even if I would have smoked it..
winston-smoker
Well-Known Member
My life insurance policy didn't ask about tobacco use -- and the premium was better than the alternatives I checked out.
You can get better deals in life insurance from fraternal organizations than from the big national insurance companies, you just have to find them.
You can get better deals in life insurance from fraternal organizations than from the big national insurance companies, you just have to find them.
BarG
Founding Member
Did they ask if you wanted to live.My life insurance policy didn't ask about tobacco use -- and the premium was better than the alternatives I checked out.
Brown Thumb
Well-Known Member
I have a whole life policy with investments. They took a blood test 15 yrs ago to check for drugs ect.
I cannot complain about the co. I have made some money over the yrs. I ask for $ they send it,
they get there share also.
I am worth more dead than Alive.
I cannot complain about the co. I have made some money over the yrs. I ask for $ they send it,
they get there share also.
I am worth more dead than Alive.
BarG
Founding Member
That makes me laugh for reasons not explainable. No one should be worth more dead than alive, period. But if thats the way it is than you should name a beneficiary to all your worldly tobacco stuff. Heh heh.
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