Smoking does not have any health benefits. Beyond taking a toll on your health it also affects the cost of health insurance.
Increase in insurance premium and overall costs:
As the risk of covering smokers is higher, health insurance companies charge higher premium rates. The result ? higher insurance rates! Today across the globe, employers provide subsidized rates of insurance but even here, in the case of a smoker this insurance rate will be higher.
- Condition of the house or a vehicle owned by the smoker.
Savings in the case of premiums on health insurance can be addressed by analyzing and cutting costs incurred on purchasing cigarettes!
Increase in medication costs:
Heart attack, high blood pressure, lung and liver damage, ulcers in the stomach, vascular diseases, impotency, weakened immunity levels, different types of cancers, respiratory diseases, etc are some of the diseases commonly caused due to smoking which in turn increases costs on health and health insurance. Does insurance cover chiropractic? Health insurance is usually there to help in time of crisis. Many offices will verify your insurance benefits before you even go into the office.
Source: http://www.umdelts.org/will-my-well-being-insurance-cover-chiropractic-care
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