If you are a smoker or tobacco user in Chandler, AZ, you may wonder whether you can still get health insurance coverage. The answer is yes; however, it depends on the type of health insurance plan you are looking for and the carrier from which you purchase the plan. Read on for advice from San Marcos Insurance Group.
Finding Health Insurance as a Smoker
If you’re a smoker or tobacco user and you’re looking for an individual health insurance plan in Chandler, there are several options available to you. Most carriers will allow smokers and tobacco users to apply for their plans; however, they may have to pay higher premiums than non-smoking applicants. Some carriers will even offer discounts or incentives to those who quit smoking while on their health plan.
It’s important to note that group health plans don’t typically consider smoking status when determining eligibility or premiums. This means that all employees in a group plan—whether they smoke or not—will normally pay the same rate for their coverage.
Finding Affordable Healthcare Coverage
No matter your smoking status, shopping around for the best possible rates on your healthcare coverage is important. Many carriers offer plans in the Chandler area, and it pays to compare prices and benefits among them before deciding which one is right for you.
In summary, smokers and tobacco users can still obtain healthcare coverage in Chandler, AZ. However, you should be prepared to pay higher premiums than non-smokers depending on the type of plan they select and the carrier from which they purchase it. Contact San Marcos Insurance Group so that we can help you find the right health insurance policy for your needs.