Cigar Asylum Cigar Forum  

Go Back   Cigar Asylum Cigar Forum > Cigar Forums > Cigar Discussion > All Cigar Discussion

Reply
 
Thread Tools Display Modes
Old 10-03-2013, 08:41 PM   #1
CigarNut
F*ck Cancer!
 
CigarNut's Avatar
16
 
Join Date: Jan 2009
First Name: Michael
Location: Clermont, Florida
Posts: 18,018
Trading: (111)
RA
CigarNut has disabled reputation
Default Employers Medical Insurance Change is Gonna Bite Me In The A$$

My employer is making a change in our medical plan such that smokers will have to pay an extra $50 per month. A person who smokes more than 6 cigars per year qualifies as a smoker. I understand the intent and even like the fundamental idea, but the specific implementation sucks.

We have to sign an Affidavit regarding our smoking status and there are stiff penalties if you are caught lying -- not that I would do that, but they make this very clear up front.

They got the "6 cigars per year" value from an insurance plan broker.

The one really interesting thing about this, is my wife (who works for the same company) is totally incensed over this (made me feel good). She does not hate my cigar smoking but she is not a fan. Her stance caught me by surprise.

This $50 increase is on top of the annual increase in our insurance (which has gone up significantly over the last three years).

It is disappointing that the real target audience (cigarette smokers) are tainting my hobby. Further, the cigarette smokers can take a smoking cessation class -- and fail to stop smoking -- and still have the $50 waived...

I really, really like my job and I really like cigars so it looks like my disposable income is going to take another hit... *sigh*
__________________
Need Beads? Need Five Finger Bags?

2 of 3 Requirements for use of the CA Rolodex: 100 posts/ 60 day membership/ participation in trade (trader rating). New members can be added at any time.
CigarNut is offline   Reply With Quote
Old 10-03-2013, 08:54 PM   #2
Zane
Have My Own Room
 
Zane's Avatar
1
 
Join Date: Aug 2012
First Name: Zane
Location: Noblesville, IN
Posts: 1,508
Trading: (23)
Bolivar
Zane has a spectacular aura aboutZane has a spectacular aura aboutZane has a spectacular aura about
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Quote:
Originally Posted by CigarNut View Post
My employer is making a change in our medical plan such that smokers will have to pay an extra $50 per month. A person who smokes more than 6 cigars per year qualifies as a smoker. I understand the intent and even like the fundamental idea, but the specific implementation sucks.

We have to sign an Affidavit regarding our smoking status and there are stiff penalties if you are caught lying -- not that I would do that, but they make this very clear up front.

They got the "6 cigars per year" value from an insurance plan broker.

The one really interesting thing about this, is my wife (who works for the same company) is totally incensed over this (made me feel good). She does not hate my cigar smoking but she is not a fan. Her stance caught me by surprise.

This $50 increase is on top of the annual increase in our insurance (which has gone up significantly over the last three years).

It is disappointing that the real target audience (cigarette smokers) are tainting my hobby. Further, the cigarette smokers can take a smoking cessation class -- and fail to stop smoking -- and still have the $50 waived...

I really, really like my job and I really like cigars so it looks like my disposable income is going to take another hit... *sigh*
My company is going the route of giving you $250 off your high premiums if you take a test for nicotine. /fail
__________________

COO BlindMan's Puff
Zane is offline   Reply With Quote
Old 10-04-2013, 06:21 AM   #3
Porch Dweller
Life is for living
 
Porch Dweller's Avatar
11
 
Join Date: Oct 2012
First Name: James
Location: Mississippi Gulf Coast
Posts: 7,257
Trading: (24)
Bolivar AirForce (Retired)
Porch Dweller is a splendid one to beholdPorch Dweller is a splendid one to beholdPorch Dweller is a splendid one to beholdPorch Dweller is a splendid one to beholdPorch Dweller is a splendid one to beholdPorch Dweller is a splendid one to beholdPorch Dweller is a splendid one to behold
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Pretty soon you'll have to bring a weekly stool sample in to work and if there's not enough fiber your premiums will go up.
__________________
A 1911 in the hand is faster than 911 on the phone
Porch Dweller is offline   Reply With Quote
Old 10-04-2013, 08:44 AM   #4
The Poet
Il megglior fabbro
 
The Poet's Avatar
 
Join Date: Jun 2009
First Name: Thomas
Location: Hickory, NC
Posts: 8,378
Trading: (2)
The Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud of
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Do like me, Mikey. Keep the stogies, pony up the yearly fine, go without insurance, and pray you make it to Medicare before bad health $#!+ hits the fan . . . again.
__________________
Ninety percent of everything is crap - Theodore Sturgeon.
The Poet is offline   Reply With Quote
Old 10-04-2013, 08:59 AM   #5
CigarNut
F*ck Cancer!
 
CigarNut's Avatar
16
 
Join Date: Jan 2009
First Name: Michael
Location: Clermont, Florida
Posts: 18,018
Trading: (111)
RA
CigarNut has disabled reputation
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

I am going to keep the stogies, pony up the fine and keep the insurance -- because I am afraid Medicare may be even worse by the time I am eligible...
__________________
Need Beads? Need Five Finger Bags?

2 of 3 Requirements for use of the CA Rolodex: 100 posts/ 60 day membership/ participation in trade (trader rating). New members can be added at any time.
CigarNut is offline   Reply With Quote
Old 10-04-2013, 10:16 AM   #6
The Poet
Il megglior fabbro
 
The Poet's Avatar
 
Join Date: Jun 2009
First Name: Thomas
Location: Hickory, NC
Posts: 8,378
Trading: (2)
The Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud ofThe Poet has much to be proud of
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Quote:
Originally Posted by CigarNut View Post
I am going to keep the stogies, pony up the fine and keep the insurance -- because I am afraid Medicare may be even worse by the time I am eligible...
Well, I try to look on the bright side . . . I might be DEAD by the time I am eligible.
__________________
Ninety percent of everything is crap - Theodore Sturgeon.
The Poet is offline   Reply With Quote
Old 10-04-2013, 04:56 PM   #7
cmitch
Heads up get down
 
cmitch's Avatar
4
 
Join Date: Oct 2010
First Name: Clayton
Location: NW Alabama by the river
Posts: 2,715
Trading: (25)
Montecristo
cmitch is just really nicecmitch is just really nicecmitch is just really nicecmitch is just really nicecmitch is just really nice
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

When we give up liberties to preserve life, we deserve neither.
__________________
No matter what one's status is in society, cigars are the great equalizer where the affluent and common share a love for the leaf. - Me.
cmitch is offline   Reply With Quote
Old 10-07-2013, 02:53 PM   #8
srduggins
Feeling at Home
 
srduggins's Avatar
 
Join Date: Apr 2009
First Name: steve
Location: So. Cal. No More
Posts: 504
Trading: (37)
LGC
srduggins will become famous soon enoughsrduggins will become famous soon enough
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

My employer is doing the same thing. Why not enroll in the quit for life program just like the ciggy smokers?
__________________
". . . but it's good, I guess, that you have the entire asylum to query, but you'll never get a straight answer out of any of us." - OLS
srduggins is offline   Reply With Quote
Old 10-07-2013, 05:08 PM   #9
Lockspur
Have My Own Room
 
Lockspur's Avatar
2
 
Join Date: Dec 2012
First Name: Scotty
Location: Richmond, TX
Posts: 1,376
Trading: (31)
Lockspur is just really niceLockspur is just really niceLockspur is just really niceLockspur is just really nice
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Quote:
Originally Posted by Porch Dweller View Post
Pretty soon you'll have to bring a weekly stool sample in to work and if there's not enough fiber your premiums will go up.
I will provide fiber-filled samples.

Just sayin'
__________________

Proud member of the GMCGTPWHAFA
Lockspur is offline   Reply With Quote
Old 10-07-2013, 05:38 PM   #10
longknocker
Postwhore
 
longknocker's Avatar
15
 
Join Date: Oct 2008
First Name: Greg
Location: Mobile, Alabama
Posts: 10,896
Trading: (82)
Cohiba
longknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant futurelongknocker has a brilliant future
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Same Situation For Me, Michael. I Just Pay The Extra Fee & Don't Worry About It. I'm Still Going To Smoke Cigars, Brother!
longknocker is offline   Reply With Quote
Old 10-07-2013, 06:45 PM   #11
jjirons69
Haberdasher
 
jjirons69's Avatar
4
 
Join Date: Oct 2008
First Name: Jamie
Location: Chucktown, SC
Posts: 4,120
Trading: (94)
LGC
jjirons69 is a splendid one to beholdjjirons69 is a splendid one to beholdjjirons69 is a splendid one to beholdjjirons69 is a splendid one to beholdjjirons69 is a splendid one to beholdjjirons69 is a splendid one to beholdjjirons69 is a splendid one to behold
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

This -> Further, the cigarette smokers can take a smoking cessation class -- and fail to stop smoking -- and still have the $50 waived...

We had the same thing a few years ago. The head of HR says an occasional cigar isn't treated as a true smoker. Don't know the definition of occasional, don't want to know. They also thought about testing for cotinine, but thought it was a little intrusive. You can use one of those e-cigs and still pop the cotinine test so there were too many variables to the testing. Luckily (so far) it's a med-sized, privately-owned company.

Good luck and I totally agree it sucks balls.
__________________
Somebody has to go back and get a chitload of dimes
jjirons69 is offline   Reply With Quote
Old 10-08-2013, 07:18 PM   #12
forgop
Not a puffer
 
forgop's Avatar
2
 
Join Date: Oct 2008
First Name: Duane
Location: Indianapolis, IN
Posts: 2,867
Trading: (40)
Partagas Army (Served With Honor)
forgop is a jewel in the roughforgop is a jewel in the roughforgop is a jewel in the roughforgop is a jewel in the rough
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

If it were only that "rough"...pffffffffffftttttttttttt

Two of the major hospital networks in the city have let go somewhere around 1k nurses since the summer. My full-time/weekend position has been eliminated and cut back to part-time. My insurance will go up an additional $100/paycheck not to mention whatever sizable increase is likely to be added considering they haven't even released the 2014 rates. If my mandatory blood test returns positive for nicotine, it's then an additional $50/biweekly deduction.

As of now, my budgeted income for 2014 is 40% of what I will make in 2013.
forgop is offline   Reply With Quote
Old 10-08-2013, 07:19 PM   #13
markem
Bunion
 
markem's Avatar
16
 
Join Date: Oct 2008
First Name: Mark
Location: Casa TJ
Posts: 21,352
Trading: (47)
HUpmann
markem has disabled reputation
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Sounds like you should stop buying cigars.
__________________
I refuse to belong to any organization that would have me as a member.
~ Groucho Marx
markem is offline   Reply With Quote
Old 10-10-2013, 08:57 AM   #14
emelbee
Still Watching My Back
 
emelbee's Avatar
 
Join Date: Oct 2008
First Name: Mike
Location: Fort Collins, CO
Posts: 76
Trading: (18)
Partagas
emelbee is on a distinguished road
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

6 cigars per year!? I try to stay under 6 per day.

We're getting new health insurance at my work, too, but no details yet. The current plan doesn't have a smoking penalty.
__________________
"A dead thing can go with the stream, but only a living thing can go against it." - G.K. Chesterton
emelbee is offline   Reply With Quote
Old 10-18-2013, 02:23 PM   #15
mike_556
Just in from the Storm
 
mike_556's Avatar
 
Join Date: Oct 2013
First Name: Mike
Location: Charlotte
Posts: 7
Trading: (0)
Cohiba
mike_556 is on a distinguished road
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Thankfully, as of yet (knock on wood) cigars are exempt from the cigarette tax on our policy, but it's only a matter of time. The testing for nicotine is BS in my opinion
mike_556 is offline   Reply With Quote
Old 11-07-2013, 09:08 AM   #16
CigarNut
F*ck Cancer!
 
CigarNut's Avatar
16
 
Join Date: Jan 2009
First Name: Michael
Location: Clermont, Florida
Posts: 18,018
Trading: (111)
RA
CigarNut has disabled reputation
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

I decided to check out the "smoking cessation" option in order to preserve my insurance. This time of year I smoke 2-3 cigars per week -- mostly on Sunday during NFL football.

In order to alleviate my nicotine addiction from these 2-3 cigars per week the people managing the smoking cessation program have determined that I need nicotine gum on a daily basis...

I have not lied to them. I told them why (my motivation) I decided to go through the smoking cessation plan ("forced to do so to maintain my insurance premiums") and that I had not previously given serious thought to quitting cigars.

We will see how it goes...
__________________
Need Beads? Need Five Finger Bags?

2 of 3 Requirements for use of the CA Rolodex: 100 posts/ 60 day membership/ participation in trade (trader rating). New members can be added at any time.
CigarNut is offline   Reply With Quote
Old 11-07-2013, 09:16 AM   #17
Zane
Have My Own Room
 
Zane's Avatar
1
 
Join Date: Aug 2012
First Name: Zane
Location: Noblesville, IN
Posts: 1,508
Trading: (23)
Bolivar
Zane has a spectacular aura aboutZane has a spectacular aura aboutZane has a spectacular aura about
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Quote:
Originally Posted by CigarNut View Post
I decided to check out the "smoking cessation" option in order to preserve my insurance. This time of year I smoke 2-3 cigars per week -- mostly on Sunday during NFL football.

In order to alleviate my nicotine addiction from these 2-3 cigars per week the people managing the smoking cessation program have determined that I need nicotine gum on a daily basis...

I have not lied to them. I told them why (my motivation) I decided to go through the smoking cessation plan ("forced to do so to maintain my insurance premiums") and that I had not previously given serious thought to quitting cigars.

We will see how it goes...
I have good news! Somehow I managed to not get flagged on my wellness exam!
__________________

COO BlindMan's Puff
Zane is offline   Reply With Quote
Old 11-07-2013, 09:17 AM   #18
markem
Bunion
 
markem's Avatar
16
 
Join Date: Oct 2008
First Name: Mark
Location: Casa TJ
Posts: 21,352
Trading: (47)
HUpmann
markem has disabled reputation
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Quote:
Originally Posted by CigarNut View Post
We will see how it goes...
You coming by today to pick up cigars?
__________________
I refuse to belong to any organization that would have me as a member.
~ Groucho Marx
markem is offline   Reply With Quote
Old 11-07-2013, 09:18 AM   #19
stearns
Dogbert Consultant
 
stearns's Avatar
16
 
Join Date: Oct 2008
First Name: Ben
Location: Park Hill
Posts: 5,147
Trading: (50)
RA
stearns is a name known to allstearns is a name known to allstearns is a name known to allstearns is a name known to allstearns is a name known to allstearns is a name known to all
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Quote:
Originally Posted by CigarNut View Post
I decided to check out the "smoking cessation" option in order to preserve my insurance. This time of year I smoke 2-3 cigars per week -- mostly on Sunday during NFL football.

In order to alleviate my nicotine addiction from these 2-3 cigars per week the people managing the smoking cessation program have determined that I need nicotine gum on a daily basis...
sounds like you have a serious addiction, one in need of multiple interventions. I'll bring the smokes
__________________
"I was unaware I had an appointment with you fine people today, it turns out I have another engagement, I plan to get drunk, thank you." - Jim Lahey RIP
stearns is offline   Reply With Quote
Old 11-07-2013, 02:30 PM   #20
Ashcan Bill
Ol' Dude
 
Ashcan Bill's Avatar
 
Join Date: Oct 2008
First Name: Bill
Location: Henderson, NV
Posts: 1,850
Trading: (6)
Partagas
Ashcan Bill has disabled reputation
Default Re: Employers Medical Insurance Change is Gonna Bite Me In The A$$

Wonder what the insurance companies are going to do if the country legalizes grass in the next couple of years? It is medicinal, isn't it?
Ashcan Bill is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -6. The time now is 07:38 PM.


Powered by vBulletin® Version 3.7.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
All content is copyrighted jointly by Cigar Asylum and the content provider.