5 Tips to Get Quit Smoking Help through Your Health Plan Provider

Studies show that it takes 7 attempts for an average smoker to quit the habit for good. If you’re looking to increase your chance of quitting smoking soon, here’s a piece of advice – pick up your phone and call a reputable insurance company. Or check with your health insurance provider if they cover quit smoking services.

It’s no surprise that smokers pay more for health and life insurance. If you are a smoker, your monthly premium is higher than that of non-smokers as you are put under the ‘high risk’ category. The reason for this is the mortality and Insurance-6961380morbidity rates among smokers are higher than non-smokers.

Getting your quit smoking needs covered by an insurance company is quite a relief, especially if you’re on a tight budget. If you live in Colorado, Illinois, Maryland, New Jersey, New Mexico, North Dakota, Oregon, Rhode Island or Vermont, expect that quit smoking help is covered by your insurance provider. If you live elsewhere, there are a few things you can do to get the help you need.

  1. Check your plan. It is a good habit to properly review your insurance plan to know what health services you can take advantage of. Many plan holders only know that they can get financial assistance once they have already contracted a disease or when they have been sent to the hospital. But often, health plans cover regular medical checkups and appointments, even quit smoking aids. If you have queries, or if there are terms in your plan that you find unclear, call your insurance provider.
  2. Get your claim processed. Once you have verified that quit smoking services are covered by your insurance plan, ask for the Current Procedural Terminology (CPT) billing codes your doctor needs to get your claims paid. Make sure to raise any concerns to the clinic’s billing officer to see to it that your claim is processed correctly.
  3. If your claim was denied, take immediate actions. Refer to the Affordable Care Act to know how you can file for an appeal. If you just complain to your insurance provider, they are less likely to take action. So better seek help from the authorities.
  4. You can tap the American Lung Association for extra guidance. Their website offers comprehensive information and steps in filing an appeal for your insurance claim.
  5. DID YOU KNOW?

    If you live in Colorado, Illinois, Maryland, New Jersey, New Mexico, North Dakota, Oregon, Rhode Island or Vermont, expect that quit smoking help is covered by your insurance provider. If you live elsewhere, there are a few things you can do to get the help you need.

  6. Quit aids are often covered. Aside from checkups and consultations, a good plan should also cover the cost of the quit smoking medications or aids prescribed to you by your doctor, as long as they are FDA-approved of course. Many health plans cover various smoking cessation treatments like Chantix, Zyban and nicotine replacement therapy. Some policies even cover counseling service. However, it should be provided by a qualified doctor or clinic recognized by your insurance company.

By the time you quit smoking, your risk of developing chronic diseases, including cancer and heart disease, will dramatically go down. Your overall quality of life will improve as well. What’s more, you can arrange for better insurance policy rates. Insurance companies could even halve your monthly premium rates! So what are you waiting for? Quit now.

Share:

Facebook
Twitter
Pinterest
LinkedIn

Related Posts

ADHD IS REAL

“…what does it mean? what is it exactly? Is it real? … like if someone has ADHD is not like you have herpes, like you