blood levels cotinine

I'm 23 and I have just applied for my own health insurance with health mate coast to coast. I smoked for probably 4 years, but I quit close to 5 weeks ago. How do they conduct those tests...urine or blood test? I know they check for cotinine levels to see if you are a smoker and then will charge you a lot more for health insurance. But unfortunately I had a couple cigarettes 2 weeks ago, and haven't had any since. My test is in 2 weeks. Has anyone ever quit early enough to pass the test?

Nicotine stays in your system for 12 months. The blood test is what will catch you. You want to list yourself as a smoker on the insurance until you have been 100% nicotine free for 12 solid months. The reason for that is that if you list yourself as a non smoker, and then any lung problem results in a claim, the insurance company will be able to deny the claim, even if it's not proven that smoking was the cause of the problem. For instance, if you get bronchitis, and go to the doctor, the insurance company will deny the claim based on the belief that smoking contributed to the seriousness of the bronchitis. So just do things by the book, and pay the extra premium for smoking for 1 year. After that, you can change your status. Good luck with the quitting!

2009-01-02 14:55:44 by likearock412

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