Smoking is dangerous, it affects your insurance cost !!

by sil » Sat Mar 01, 2008 07:46 am
Posts: 483
Joined: 30 Sep 2005

Hey guys!

Do you know.....

In the last few years, cigarette smoking has resulted to more that 400,000 death .

And this has led to to the increase in Medicare costs as well. And this is why shortly some companies are increasing insurance cost for smokers....thy bear more risk from the smokers.

Total Comments: 23

Posted: Sun Mar 02, 2008 12:06 pm Post Subject:

I agree that all three, smoking, cellphones and drinking & driving are ways to increase your insurance, along with many others. I think the health insurance industry should be doing more to help people with nicotine addiction, they will help with just about anything else and here in pennsylvania, they tax the crap out of cigarettes and the money supposedly goes to help those who don't have health insurance, so why are they not helping us quit.

Posted: Sun Mar 02, 2008 03:42 pm Post Subject: insurance

I live in PA, too. If you want 'decent' insurance ( Life, Health,etc.) you need to be in the 'best of seems like. I DO smoke. However...I have car Insurance, from Nationwide and my smoking doesn't seem to 'reflect negtively' on my payments. Of course, ALL is 'looked upon' ( age, driving record,etc.). Life Insurance, for me, is a different story. I've researched different companies....extremely high quotes!!

Posted: Mon Mar 03, 2008 02:53 am Post Subject:

Crazy isn't it, with all the money that rendell has taxed my cigarettes every pennsylvanian should have free health care. I started buying them online and got a fat bill in the mail for them too from the department of revenue, I sent them a dispute letter, they have tried to call while I am at work so I have not been able to talk to them about it yet.

Posted: Mon Mar 03, 2008 03:43 am Post Subject: insurance

"Free Health Care?".............I agree, but, I don't see that happening any time soon. LOL I just looked up Blue Cross/Blue Shield. Gosh!!....their quotes, just for an 'individual' is REALLY high. What about 'Low Income' seems like 'Low Income' families have to 'bear with what they have' ( Access Card) or go with no insurance at all.

Posted: Mon Mar 03, 2008 05:25 am Post Subject:

Funny thing about smoking. It's nasty. It's disgusting. It's a waste of time. It will kill you.

BUT...If you have NO OTHER HEALTH ISSUES, Aetna does not raise your rate a penny (health coverage).

I use Aetna quite a bit in Western Pennsylvania. Solid rates, although as of April 1, rates heading up a bit.

Posted: Mon Mar 03, 2008 05:25 am Post Subject: How to overcome smoking?

Hey !

I have pulled up some ways to overcome the habit of smoking...

Psychological Therapy
Water Therapy
Stop Smoking Pills
Nicotine Nasal Sprays & Nicotine Inhalers
Nicotine Anonymous
Nicotine Gum
Nicotine Patches
Nicotine Replacement Therapy

Lol :D Can you tell me
What is
Psychological Therapy ? and
Water Therapy ?

Posted: Mon Mar 03, 2008 06:58 pm Post Subject:

If you drown yourself you will not think about smoking, LOL, no really I have no clue what water therapy is. if you find out, please let us know here.

Posted: Mon Mar 03, 2008 07:20 pm Post Subject:

Its a three prng attack on smokers. Increase the taxes you pay on cigarettes to help pay for health care of minors, Increase your insurance premiums to help pay for your eventual increased medical issues, and Increased legislation limiting where you can smoke.

Glad I haven't had a cigarette since November 1st. Cigarette smoking just keeps getting more expensive and you have a harder time finding a place to smoke when you do go out to drink with a designated driver of course.

Sometimes I look back at my younger years and think I was really stupid. I remember driving 110mph down the interstate smoking a cigarette, talking on the cell phone and drinking a cola at the same time. Now adays I don't speed (at least as bad maybe 10mph over the speed limit if I am feeling lucky normally within 5 mph of the speed limit), and dont smoke. I still talk on the cell phone but try to use the hands free when I do and prefer to actually not talk on the cell phone, and I try to only drink something when I am at a complete stop.

Posted: Mon Mar 03, 2008 07:26 pm Post Subject:

To quit smoking you got lots of different ways.
For psychological therapy they could be refering to hypnosis.
Maybe the water therapy is the little water inhaler things that you can add to your cigarette to filter it.

I used a fake cigarette looking thing, and tasted pretty nasty too, but it was useful for my sucking habit and eventually it went away.

Sugar and fat free candy are also good to suck on that way you still have something in your mouth and you wont gain weight from stuffing your face with high fat items.

Posted: Tue Mar 04, 2008 03:36 am Post Subject: smoking

YEARS ago, I did quit. I quit for three years. Why did I start again? The 'crowd', that I hung out with, smoked. My parents smoked for 40 years and quit. Wish I COULD quit.

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