Today is the Great American Smokeout and now is a great time to stop smoking and using nicotine products to avoid
the nicotine surcharge for your 2019 health insurance.
Health insurers are allowed to charge smokers 50 percent higher premiums than nonsmokers. That’s because smokers' health care costs tend to be higher
than those of nonsmokers.
To help you
kick the habit, the Affordable Care Act requires health plans to cover FDA-approved smoking cessation services such as counseling and medication as a preventive benefit, which means consumers
have no out-of-pocket costs.
- Medicare also covers smoking cessation services.
- Small employers can avoid the tobacco surcharge by participating in a wellness program.
- Tobacco use is not disclosed on Medicaid plans and the rates are not affected.
Here are some tips from the Great American Smokeout for how
to quit using tobacco products:
- Quitting smoking isn’t easy. Have a plan for how you will live a smoke-free life.
- You don’t have to stop smoking in one day. Start with day one.
- How to quit smoking or using tobacco.
There are immediate and long-term benefits to quitting
smoking, beyond paying less for health care (and saving money you’ve been
spending on cigarettes or nicotine products).
Nearly 38 million Americans still smoke cigarettes, and
smoking remains the single largest preventable cause of death and illness in
the world. Smoking causes more than 480,000 deaths every year, about 1 in 5
deaths. And more than 16 million Americans live with a smoking-related disease.
