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0 points144y ago0 comments

Do you not worry about buying life insurance and then asking for your medical history and then denying coverage or increased premiums?

0 comments

6 comments · 2 top-level

kody4y ago· 2 in thread

YMMV but my prescribed cannabis usage did not impact my life insurance premium. I was worried it would, but knew that the blood + urine tests would show usage anyway. It worked out for me.

nkingsy4y ago

Maybe things have changed but in 2016 I was unable to get life insurance in CA due to admitting to recreational cannabis use with a vaporizer. A ridiculously expensive “smokers” policy was the only thing on offer.

kody4y ago

Things might have changed. I got my policy Sept. 2021.

There was a whole section of my application regarding cannabis usage. I provided my medical rec. There was a question about seeing a psychiatrist regarding cannabis usage (no). No questions about consumption method. My premium was that of the quoted non-tobacco premium, so I don't think it was affected at all.

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OminousWeapons4y ago· 2 in thread

Just because you discuss something with your doctor, doesn't mean that data needs to go into the EHR.

hellisothers4y ago

On the contrary you should assume it does unless you explicitly ask otherwise and even then it still might. And the OP is right, when you ask for life insurance they get everything because you have to allow them to ask for all data as if the request were coming from you.

OminousWeapons4y ago

Yes, what I was insinuating is that you should talk to your doctor about keeping occasional drug use out of the EHR before revealing any data.

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6 comments · 2 top-level

kody4y ago· 2 in thread

YMMV but my prescribed cannabis usage did not impact my life insurance premium. I was worried it would, but knew that the blood + urine tests would show usage anyway. It worked out for me.

nkingsy4y ago

Maybe things have changed but in 2016 I was unable to get life insurance in CA due to admitting to recreational cannabis use with a vaporizer. A ridiculously expensive “smokers” policy was the only thing on offer.

kody4y ago

Things might have changed. I got my policy Sept. 2021.

There was a whole section of my application regarding cannabis usage. I provided my medical rec. There was a question about seeing a psychiatrist regarding cannabis usage (no). No questions about consumption method. My premium was that of the quoted non-tobacco premium, so I don't think it was affected at all.

1 more reply

OminousWeapons4y ago· 2 in thread

Just because you discuss something with your doctor, doesn't mean that data needs to go into the EHR.

hellisothers4y ago

On the contrary you should assume it does unless you explicitly ask otherwise and even then it still might. And the OP is right, when you ask for life insurance they get everything because you have to allow them to ask for all data as if the request were coming from you.

OminousWeapons4y ago

Yes, what I was insinuating is that you should talk to your doctor about keeping occasional drug use out of the EHR before revealing any data.

1 more reply

j / k navigate · click thread line to collapse