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Ex-Smoker - So when do I get lower rates & how do I prov

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Posted: Thu Jan 21, 2010 3:18 am   Post subject: Ex-Smoker - So when do I get lower rates & how do I prov   I quit cold turkey 6 months ago after an H1N1-related 'stay' in an ICU. I'm semi-retired/self-employed and I'll be 60 soon, and I'm guessing a big premium increase is coming(BCBS individual plan). How long before I'm considere a non-smoker for health insurance purposes and how do I go about it. _________________ Register Now to have your Insurance queries solved.	Al J Guest
Posted: Tue Jan 26, 2010 11:52 pm   Post subject: Quitting smoking   First, good for you! I was a closet smoker for years before I quit. I'm not aware of BCBS having a higher premium for smokers. That is very common among life carriers, but very difficult to monitor and prove for health carriers. If you have a good independent agent you know, you might ask he or she to investigate for you. Or you can simply call the underwriting department at BCBS and ask the question directly.	emumbert1 New member Joined: 14 Jan 2010 Posts: 15 3.79 Dollars($)
Posted: Wed Jan 27, 2010 10:09 pm   Post subject:    I don't know of a health or life carrier that doesn't charge more for a smoker. _________________ Lead source for agents http://www.insuranceleads.com/?s=agtref&k=227879 http://www.65healthinsurance.com./	Pirate91 Member Joined: 17 Jul 2008 Posts: 72 15.21 Dollars($)
Posted: Sat Jan 30, 2010 10:42 pm   Post subject:    That is a tough one becasue damage could already have been done in the insurance carriers eyes.	insurancebydave Member Joined: 08 Jan 2009 Posts: 65 10.25 Dollars($)
Posted: Tue Feb 02, 2010 7:40 am   Post subject: Non-smoker rates   The insurance companies would want you to remain a non-smoker for a specified period of time, may be 1 full year or might just extend to 3 - 5 years, before you qualify for the non-smoker rates. This is because most of the smokers quit for only a short span of time and then they return to smoking.	Veronica Preferred member Joined: 01 Feb 2010 Posts: 191 33.01 Dollars($)

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