People might think that the e- cigarette is a safe alternative to cigarettes , but that insurance companies do not agree .
Age , geographic location , and three ares of other family size : in determining the premium of someone , use of tobacco , 4 just be able to take into account the insurance company that sells health insurance in the individual market it is one of Tsu . People who use tobacco will be able to charge up to 50 percent more than non- smokers .
By convention , the use of tobacco products of any , in the past six months , in the week , you can tobacco fee is subjected to someone more than three times on average .
However, according to Medicaid Services and the Center for Medicare , 10 states will prohibit or restrict the insurance company to which is applied a tobacco surcharge in the individual market .
It becomes , big problem insurance company if from being classified as an electronic cigarette tobaco product . Typically, you generate steam , such as smoke or perfume nicotine is contained , battery-powered devices , electronic cigarette wholesalewhich simulate smoking .
Regulations that have been proposed are not as strict as those for a normal cigarette , but the Food and Drug Administration (FDA), move toward regarded as e- CIGS tobacco products a month that was proposed to regulate the electronic cigarette is it .
The Medicaid Services Center and Medicaid , according to people familiar with the matter of government agencies , we are considering the use of cigarettes and electronic cigarette surcharge .
However , this is rested in many scientific , the jury is still from the health effects of electronic cigarette .
In a recent review of research of electronic cigarettes , researchers at the University of California, San Francisco , the impact on the long-term health of the electronic cigarette , little is known yet , but they are potentially harmful substances in the air indoor pollution sources found that it is possible to drain .
The researchers also , electronic cigarette , was found to reduce the likelihood that in contrast to the non smoking and with claims that advertising is to launch an e- CIG people actually , people will help kick the habit .
Potential role of electronic cigarette can affect the insurance coverage too as a tool for non smoking . In order to cover the non smoking counseling and auxiliary products that have received FDA approval and without the out-of-pocket cost to the consumer , health law , requires health insurance most . Recently , the federal government has released a guidance refine it must cover the service or product .
