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christopher c | Will an insurance company reject you if you casually smoke pot? |
I'm looking to get health insurance but i'm kinda worried
I know they do urine test during physical exams, so i was just wondering if the insurance company would reject me when they find the thc/marijuana in my urine?
I smoke about a pipe full a day...sometimes not even that
Any help is greatly appreciated
Additional Details
Randy, i've actually been clean for about 3 days now :P |
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Chris C
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Chances are, yes you would get rejected, but it depends ont he company. Some companies might just apply a rating (a rating means you are approved, but you just have to pay a slightly higher premium)
Many companies are getting tigher and tigher on marijuana usage.
Typically the general rule of thumb is if someone smokes pot more than 2-3 times a month it's considered an increased risk factor.
I recently had a couple that was fairly healthy get rejected for life insurance becuase they both smoked on a daily basis. She ussually only had a puff or 2 a day and was a very normal functional person who actually worked with children. Hardly an adict, hardly a disfunctional member of society, she just liked to chill out after work.
IT's good that you have been clean for 3 days, but the testing that is done can pick up traces up to ten days old or so (not nessasarily marijuana specific things, but things like cotine, which is a nicotine byproduct, if you tell them you don't smoke cigarettes, but smoke a little pot, they can narrow down pretty quick how much you smoke pot). If a test comes back inconclusive they can often request a new test done immediately within a certain time period, so if you start smoking again and get the phone call for more tests in the next few days you won't have enough time to get it out of your system. Most also test for byproducts of those de-toxifying clense kits as well, so that can often cause a retest without notice. |
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silverclrk
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I smoke no pee test for me and I am with horizon blue cross blue shield you should not need to take a pee exam. |
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Nate W
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It depends on the company. Your best bet is to be honest about it. If they find out about it, they cancel your policy and deny claims. With some companies, if you are open and honest about it, they will just rate you as a smoker. |
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annjee
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No but u will have to pay more premium |
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Aibrean
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Since when does a health insurance company do a physical? You WILL get in trouble if you lie on your forms. |
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FLCajun77
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Uhhh yea dude. I caaaaan help. Wow those are some cool looking glasses you have on.
Stop smoking the dope. Know why they call it dope? Don't worry about the health insurance worry about a company not hiring you because you have dope in your system. Also worry about getting busted when you are buying the dope and getting a record. Companies do not want to hire guys that are smoking dope because they usually are dopes.
How many times did I say dope. |
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