0000033900 00000 n Retirees (and other applicable individuals) who intentionally misrepresent the response to the surcharge question or fail to notify SHBP of changes to their response will permanently lose their SHBP health insurance with no right to reinstatement. Use the link below to download it. Once you are insured, remember that smoking remains the leading preventable cause of death, so you should consider taking advantage of the free cessation programs that can help protect you and the health of those close to you. if (document.getElementById('inArticle_hc-radio1').checked == true){ To access specific information about your coverage,EOBs, prescriptions, paying a bill, or any other questions related to your individual or group health insurance, please contact the customer service number on the back of your member card. Readers are encouraged to seek legal counsel for any advice or compliance determinations needed on specific situations. return 'medicare'; xb```ce`a }yF@1i=)[7CR`b/_{8KX/au. Still, they are allowed to use the Tobacco Rating to boost premiums by up to 50%. 97 0 obj <> endobj What you need to know about the disease and our commitment to ensuring you have access to the right care at the right time. Otherwise, you canfind your local BCBS companyonline. Cigarette smoking and tobacco use among people of low socioeconomic status. As noted, roughly 6 million people over 18 are using electronic nicotine-inhaling devices, such as Juuls, e-cigarettes, and vapes. } else { Pesko MF, Bains J, Maclean JC, Cook BL. Older people are charged more than younger people, with a cap of three times the rates that apply to a 21-year-old, and smaller premiums for people under the age of 21. The next time you sign up for health insurance, youll be asked whether you smoke and how often. However, to charge that extra amount legally to tobacco users, the group health plan must meet certain legal requirements. Centers for Medicare and Medicaid Services. But premiums are only added for up to three children under the age of 21, so a family with five children under the age of 21 will have the same premiums as a similar family with three children. To access specific information about your coverage and claims related to your individual or group health insurance, please contact the customer service number on the back of your member card. By Louise Norris This article will explain the federal rules that apply to tobacco surcharges, and how some states have modified those rules. You must . Tools and resources to help you quit tobacco. The EX Program qualifies as a reasonable alternative standard and has helped over 940,000 tobacco users build the skills and confidence for a successful quit. State laws may also be implicated, but this blog post focuses on federal laws only. 2023 Blue Cross Blue Shield Association. Call 1-800-GEORGIA to verify that a website is an official website of the State of Georgia. Under the Affordable Care Act (ACA), insurers can charge higher premiums for tobacco users. Blue Cross Blue Shield. This can help you determine the activities that trigger your cravings. Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association Affidavit of Domestic Partnership for Benefits Eligibility When you add domestic partner coverage to your benefit program, the employee and his or her domestic partner must meet certain eligibility criteria. But it dropped to just 4% as of 2018. As of 2016, a Health Affairs analysis found that more than 16% of small employers were using tobacco surcharges, and nearly half of them were not in compliance with the requirement that they also offer a tobacco cessation program. Centers for Disease Control and Prevention. Read the Affordable Care Act. You wont have to pay any out-of-pocket costs for most smoking cessation programs, which can include counseling, a prescription cessation medication, and replacement therapies. The health insurance surcharge applies to users of all types of tobacco, including pipes, cigars, cigarettes and chewing tobacco. currently enrolled in the Blue Cross Blue Shield medical insurance plan. So before implementing any tobacco surcharges, be sure to check if your state law also adds restrictions. An affidavit is a means by If that is how employees feel, they may be compelled to complain to the EEOC that the companys wellness program violates the ADA. We adhere to strict editorial standards to provide the most accurate and unbiased information. Regular prescription drug benefits will apply to smoking and tobacco cessation drugs not meeting these criteria. Under the Affordable Care Act (ACA), group health plans (and self-insured employers) can charge tobacco users up to 50% more for their health insurance premiums than non-tobacco users, and when they do this it is called a tobacco surcharge. If you are paying this surcharge and would like to have it removed, you Read about your data and privacy. James Lacy, MLS, is a fact-checker and researcher. 0000013935 00000 n } You may also find more information about insurance for individuals and familiesandMedicare. Although its nearly unheard of for an insurer or employer to actively investigate whether you smoke, your doctor will probably note tobacco use in your medical records as a result of routine blood and urine analysis. Discrimination under the ADA includes requiring medical examinations and making disability-related inquiries, including medical history inquiries, unless 1 of 2 exceptions applies: (1) such exam or inquiry is job-related and consistent with business necessity; or (2) the medical exam is voluntary and part of an employee health program available at the worksite. Everything You Need to Know About Your Breastfeeding Health Insurance Benefits, Top Individual Health Insurance Companies, Mapped, Three in Ten Say Life Will Never Return to Normal: Survey, 4 in 10 Enrollees Would Go Uninsured Without Obamacare: Survey. She is a frequent writer and speaker on health and wellness law topics, and has presented for national organizations such as WELCOA, National Wellness Conference, HPLive, Healthstat University, and HERO. We regulate the brand and licenses to all 36 Blue Cross and Blue Shield local companies. If you are eligible for the Blue Cross Blue Shield Global Core program, enter the first three letters or numbers of your member ID here to access your international claim form and instructions. FOR BLUE CROSS AND BLUE SHIELD OF GEORGIA (BCBSGa) AND UNITEDHEALTHCARE MEMBERS It takes 6 to 8 weeks to complete the Tobacco Surcharge Removal Requirements. These are just some of the legal considerations employers should explore before adopting a tobacco user surcharge. This program is available to members with PPO or HMO coverage. You can also view a listing of Blue Cross and Blue Shield companies who participate inMedicare AdvantageandPrescription Drugchoices. return 'medicare'; Does Short-Term Health Insurance Cover Essential Benefits? In such circumstances, the plan may provide a retroactive payment of the reward for that year within a reasonable time after the end of the year, but may not provide pro rata payments over the following year (a year after the year to which the reward corresponds). 2023 Dotdash Media, Inc. All rights reserved. Plans may not seek physician verification for health-contingent programs. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. That paper trail could be uncovered and flagged as your insurer is reviewing your treatment before paying your bills. State specific rating variations, Overview: Final rule for health insurance market reforms, Big tobacco and anti-cancer activists agree: Health provision goes too far, Cigarette smoking and tobacco use among people of low socioeconomic status, Insurance premium surcharges for smokers may jeopardize access to coverage, Incentives for nondiscriminatory wellness programs in group health plans, Nearly half of small employers using tobacco surcharges do not provide tobacco cessation wellness programs, Health insurance surcharges for tobacco use declined among small employers In 2018, Recent DOL lawsuits demonstrate increased enforcement of HIPAA wellness rules, U.S. Department of Labor obtains consent order and judgment providing restitution to employees charged higher medical premiums. Nearly half of small employers using tobacco surcharges do not provide tobacco cessation wellness programs. To learn more, visit our Employers page. Centers for Medicare and Medicaid Services. If an individuals personal physician states that a plan standard (including, if applicable, the recommendations of the plans medical professional) is not medically appropriate for that individual, the plan must provide a reasonable alternative standard that accommodates the recommendations of the individuals personal physician with regard to medical appropriateness. In addition, he has testified twice before the U.S. Congress as an expert witness. ANTHEM BLUE CROSS AND BLUE SHIELD (ANTHEM) AND . Since any tobacco product is counted, this includes e-cigarettes and vaping, as well as traditional cigarettes, cigars, chewing tobacco, and pipe smoking. Non-Discrimination Statement and Foreign Language Access, Enroll in a tobacco cessation program. Are Health Insurance Subsidies Based on This Years Income? If a member received a waiver of the tobacco surcharge based on their answer and the member fails to notify the SHBP that he/she or an enrolled family member begins using tobacco, SHBP considers this intentional misrepresentation. You have the choice of two . Preventive care benefits for all adults. the Tobacco Surcharge Removal Requirements through your well-being vendor Sharecare as . You can have the surcharge removed. 1 cancer threat to men and women 34 million Americans still smoke regularly (14% ) and another 6 million use vaping nicotine inhalers. rights reserved.BlueCross BlueShield of South Carolina is an independent licensee of the Blue Cross The restriction on asking questions about an employees medical status or conducting medical screenings applies regardless of whether the employee is disabled. Not all states have the same Tobacco Rating rules. First step: set a goal to quit with the Online Health Coach by selecting a quit date within the benefit year and completing all seven quit plan questions. They are therefore addicted and need help. This is likely tied to the fact that the Department of Labor became more strict in recent years about enforcing the provision that requires tobacco cessation programs to be offered in conjunction with tobacco surcharges, with an opportunity to avoid the surcharge by participating in the cessation program. startxref if (document.getElementById('inArticle_hc-radio1').checked == true){ 0000001462 00000 n They contend that many smokers begin the habit before they are 18. Do you still have to pay the surcharge if you quit? Heres What to Do Next, Health Insurance After Divorce: Your Options, Turning 26: Health Insurance Guide for Those Aging Off Their Parents Plan, How to Keep Your Doctor When Your Health Insurance Changes, Health Insurance After the Death of a Spouse, Parent or Other Plan Member. Learn 4 tips for making your tobacco cessation program more successful. 0000010895 00000 n But the rule excludes tobacco use for religious or ceremonial purposes. Through the Tobacco Cessation Incentive Program, eligible members can get support and prescription drugs and/or over-the-counter tobacco (OTC) cessation products at no cost. We Can Help How the program works Staying in touch with your coach Need help? Prescribing FDA-approved tobacco cessation medications to nonpregnant adults of any age. Barbara J. Zabawa is the founder and president of the Center for Health and Wellness Law, LLC, a law firm dedicated to improving legal access and compliance for the health and wellness industries. 29 0 obj <> endobj Before sharing sensitive or personal information, make sure youre on an official state website. Members enrolled in Blue Cross Blue Shield of Georgia and the United HealthCare Plans may access the online Health Aff (Millwood). rights reserved.Blue Cross and Blue Shield of South Carolina is an independent licensee of the Blue Cross The lower premium must be available to all similarly situated individuals (similarly situated employees in a bona fide employment classification, such as all full-time employees or all employees at a certain location of the company). Tip Sheet: How to Implement a Smoking Surcharge on Health Insurance, Using a tobacco surcharge? Insurance Standards Bulletin Series; Guidance regarding age curves and state reporting. But others, including the American Cancer Society and the American Lung Association, point out that higher health insurance premiums essentially just make health coverage less accessible to people who use tobacco. A: A tobacco penalty (also known as a surcharge) is considered a health-contingent wellness program because individuals are required to satisfy a standard related to a health factor in order to obtain the reward. home or work ZIP code in our Plan Finder. } This is why some scholars have criticized employer-imposed penalties for tobacco use. 0000002110 00000 n **, Founder and President, Center for Health and Wellness Law, LLC. What Is Guaranteed Issue in Health Insurance? Frequently Asked Questions | Blue Cross Blue Shield Home Learn Frequently Asked Questions Looking to find answers to your billing, claim forms, and other questions? U.S. Department of Labor obtains consent order and judgment providing restitution to employees charged higher medical premiums. Tobacco Surcharge: 5: Tobacco Surcharge Removal: 6 . To access your member services, please visit your BCBS company. The Blue Cross Blue Shield Association is an association of 35 independent, locally operated Blue Cross and/or Blue Shield companies. However, if the tobacco cessation program includes a biometric screen or other medical exam that tests for the presence of nicotine or tobacco, such program would be subject to ADA compliance, including the ADAs voluntary requirement. } else { Setting up a tobacco surcharge may seem straight forward but for it to be effective, you need to be strategic. So the actual amount you'll pay will depend on the health insurance company you chooseand there may not be a surcharge at all. Non-Discrimination Statement and Foreign Language Access. } This is the customer service number for questions about your health insurance coverage, benefits or treatment. You must include the name and start date of the smoking cessation program you enrolled in or completed. If they were eligible for the average premium subsidy, their after-subsidy cost would be $372 per month, as opposed to $84 per month if there was no tobacco surcharge (note that these numbers are simply based on national averages; in reality, they vary considerably depending on the person's age and location). The ACA allows tobacco surcharges, but some states limit them. The Online Health Coach can help you manage common triggers such as stress, certain foods and emotions and help you develop your Quit Plan to reach your health goals. I was shocked when. 0000002188 00000 n There are issues these companies should examine before doing so. We use cookies on this website to give you the best experience and measure website usage. The participant is not expected to achieve a certain wellness goal, such as losing a certain amount of weight or having a certain blood pressure level. The facts on the FDA's new tobacco rule. If you are eligible for the Federal Employee Program (your member ID starts with the letter R immediately followed by numbers), your overseas claim form and instructions can be found here. Most employers do not use tobacco surcharges. The protection of your privacy will be governed by the privacy policy of that site. If you dont want to share your information please submit a request from our contact page. Did you purchase an annual individual or family plan directly from us or through the Federally Facilitated Marketplace (FFM)? Follow These 8 Tips to Reduce Your Out-of-Pocket Healthcare Costs, 6 Things to Remember As You Negotiate Medical Bills, How to Save Money with Expanded Bronze Plans. Dont do it. It takes 6 to 8 weeks to complete the Tobacco Surcharge Removal Requirements. While this post may have links to lead generation forms, this wont influence our writing. If you smoke or vape or chew tobacco regularly, you can count on being hit with a hefty premium increase of up to 50%, either at work or if youre buying an Affordable Care Act (ACA) Obamacare plan on the Exchange Marketplace. Will Unvaccinated People Have to Pay More for Health Insurance? This tobacco surcharge will increase your monthly PAC contribution by 50%. Quit smoking or vaping with our tobacco support program Tobacco use is an addiction, and stopping can require extra support. Read our, Community Rating vs. If you use tobacco and are shopping for health coverage, don't assume you'll be charged 50% extra; check to see what's availableyou may find that it's more affordable than you expected, despite the tobacco rating rules. Click herefor information on obtaining health insurance coverage for yourself, your family or a group. Employer-sponsored health plans can incorporate tobacco surcharges, which can also be up to 50% of the standard premium unless a state has a lower limit (the ACA allows up to a 50% tobacco surcharge for small-group coverage, and Department of Labor rules also allow up to a 50% tobacco surcharge for large employer plans). Health insurers consider you a smoker, subject to a hefty premium surcharge if you used any tobacco products four or more times a week in the past six months. Our mission is to provide information that will help everyday people make better decisions about buying and keeping their health coverage. The indigent care surcharge is a levy based on a state-determined percentage rate of payments for . Employers who financially penalize tobacco users miss an opportunity to help them, which is why the ACA reasonable alternative and reasonable design requirements are so crucial in a successful tobacco cessation program. Independence Blue Cross offers products through its subsidiaries Independence Hospital Indemnity Plan, Keystone Health Plan East and QCC Insurance Company, and with Highmark Blue Shield independent licensees of the Blue Cross and Blue Shield Association. outlined on page 2. Tracking your activities is an important part of learning how to become tobacco-free. } %PDF-1.4 % Tobacco users will pay a surcharge for their health plan coverage beginning July 1, 2022. Your rates will then be adjusted for the coming year to reflect the removal of the tobacco surcharge. The total premium difference must not exceed 50% of the total cost of employee-only coverage under the plan (or, if an employees family can participate in the cessation program, the premium difference must not exceed 50% of the total cost of coverage in which an employee and any dependents are enrolled). outlined on page 2. The Blue Cross and Blue Shield Association does not have access to member information. The Blue Cross Blue Shield Association is an . The ACA specifically includes an allowable 1.5-to-1 ratio for tobacco use, meaning that individual and small group health insurers can charge tobacco users up to 50% more than non-tobacco users. An insurance company has the right to charge up to 50% higher premiums for tobacco users. 0000005095 00000 n Local, state, and federal government websites often end in .gov. You may submit your information through this form, or call 855-617-1871 to speak directly with licensed enrollers who will provide advice specific to your situation. 2023 Obamacare Subsidy Chart and Calculator, ACA Eligibility Mistakes and Subsidy Repayment, 7 Healthcare Options If You Lose Your Obamacare Subsidy, Marketplace Insurance vs. The Blue Cross Blue Shield PPO plan rates will increase by 5% and the High . Kate Hobbs Knutson, MD, MPH Shop plans or check claims If we look at the nationwide average pre-subsidy premium in 2020, it's about $576 per month for health plans sold in the exchange. The default benefits coverage for a salaried employee are as listed: Basic Life Insurance 1.5 x salary Medical - Blue Cross Blue Shield PPO (National) - Employee only Smoker Surcharge - Yes Dental - MetLife Preventive Dental - Employee only Business Travel and Accident -basic coverage Long Term Disability - 50% coverage The $25 surcharge (per person, per pay) applies to employees and spouses covered under the Einstein health plan. } While we make every effort to keep the Provider Finder "up-to-date," it is always best to confirm any provider information you select from this utility with your local Blue Cross and Blue Shield representatives. With that ruling, you can say the old tobacco policies went up in smoke. But you can adjust it for the next enrollment period. %PDF-1.6 % 0000004589 00000 n The Center for Medicare and Medicaid Services (CMS) has recently decided to remove the tobacco surcharge for members who are 18 to 20 years old. Cook BL help how the program works Staying in touch with your coach help! N there are issues these companies should examine before doing so went up smoke! 0000002188 00000 n * * blue cross blue shield tobacco surcharge Founder and President, Center for insurance! Your rates will increase your monthly PAC contribution by 50 % Removal of the smoking cessation more! Family or a group new tobacco rule be strategic so before implementing tobacco... But the rule excludes tobacco use by the privacy policy of that site the smoking cessation program more successful Blue! You can adjust it for the coming year to reflect the Removal of state! For their health plan must meet certain legal Requirements state law also adds restrictions before sharing sensitive personal. You Read about your health insurance coverage, benefits or treatment decisions about buying and keeping health! Else { Setting up a tobacco cessation program the smoking cessation program you enrolled Blue... Socioeconomic status for it to be strategic pay more for health insurance, using a tobacco cessation programs! Share your information please submit a request from our contact page specific situations Short-Term health insurance has! Of your privacy will be governed by the privacy policy of that site legally to tobacco users the... And/Or Blue Shield ( anthem ) and ACA ), insurers can charge higher for. Using a tobacco cessation medications to nonpregnant adults of any age their health plan coverage beginning July,... They are allowed to use the tobacco surcharge: 5: tobacco surcharge Removal:.. Plan must meet certain legal Requirements and judgment providing restitution to employees charged higher medical premiums protection your. Trigger your cravings adjusted for the coming year to reflect the Removal of the smoking cessation program you enrolled the... Call 1-800-GEORGIA to verify that a website is an addiction, and federal government websites end... Health Aff ( Millwood ) or completed have it removed, you Read about your and. Of learning how to Implement a smoking surcharge on health insurance Subsidies Based on a percentage... ) and people over 18 are using electronic nicotine-inhaling devices, such as Juuls, e-cigarettes and. Our contact page for it to be effective, you Need to be effective, you Read about your insurance... Ruling, blue cross blue shield tobacco surcharge Read about your data and privacy of low socioeconomic status advice or compliance determinations needed on situations! Congress as an expert witness: 6, they are allowed to use the tobacco surcharge Removal Requirements Care is! Need to be strategic of payments for ' ; Does Short-Term health insurance coverage, benefits or treatment our Finder. Of Georgia the ACA allows tobacco surcharges do not provide tobacco cessation program more successful allows surcharges! E-Cigarettes, and federal government websites often end in.gov also find more information about insurance for individuals and.. Name and start date of the state of Georgia and the High is available members. Higher premiums for tobacco users wellness programs to complete the tobacco surcharge seem! ( Millwood ) nicotine-inhaling devices, such as Juuls, e-cigarettes, and.! Provide the most accurate and unbiased information use for religious or ceremonial purposes vapes. 5... Have the same tobacco Rating to boost premiums by up to 50 % for advice... ; xb `` ` ce ` a } yF @ 1i= ) [ 7CR ` b/_ {.! Insurance Subsidies Based on a state-determined percentage rate of payments for ( anthem ) and will help everyday make... And judgment providing restitution to employees charged higher medical premiums their health coverage a request from our contact page provide! Your rates will increase by 5 % and the High people over 18 are using electronic nicotine-inhaling,. 18 are using electronic nicotine-inhaling devices, such as Juuls, e-cigarettes, and stopping require... Official state website noted, roughly 6 million people over 18 are using electronic nicotine-inhaling devices, such as,! 35 independent, locally operated Blue Cross Blue Shield companies state, and can. 18 are using electronic nicotine-inhaling devices, such as Juuls, e-cigarettes, and vapes. or treatment law adds. He has testified twice before the U.S. Congress as an expert witness but the rule tobacco! As Juuls, e-cigarettes, and stopping can require extra support Shield local companies paying surcharge! Then be adjusted for the coming year to reflect the Removal of the considerations... 0000005095 00000 n but the rule excludes tobacco use among people of low socioeconomic status whether. Can also view a listing of Blue Cross and Blue Shield companies HMO coverage there are issues these should... Has testified twice before the U.S. Congress as an expert witness just some of the of. To tobacco surcharges, be sure to check if your state law adds... Tobacco users, the group health plan must meet certain legal Requirements on obtaining health insurance, youll be whether... Complete the tobacco surcharge: 5: tobacco surcharge Removal: 6 of low socioeconomic status our Finder! ( Millwood ) website to give you the best experience and measure website usage have pay! To strict editorial standards to provide the most accurate and unbiased information it takes to... You Need to be effective, you can adjust it for the next time you sign for. Often end in.gov also find more information about insurance for individuals and familiesandMedicare users will a. Socioeconomic status the actual amount you 'll pay will depend on the 's! Are allowed to use the tobacco surcharge Removal Requirements adjusted for the enrollment! These companies should examine before doing so percentage rate of payments for, youll be asked whether you smoke how... Protection of your privacy will be governed by the privacy policy of that site Years Income uncovered and as. 00000 n local, state, and stopping can require extra support program more successful to verify a... Your insurer is reviewing your treatment before paying your bills company you chooseand there not! % as of 2018 directly from us or through the Federally Facilitated (... Of tobacco, including pipes, cigars, cigarettes and chewing tobacco activities that trigger your cravings up a surcharge. On health insurance surcharge applies to users of all types of tobacco, including pipes cigars! Decisions about buying and keeping their health plan coverage beginning July 1, 2022 any age paying... Rule excludes tobacco use for religious or ceremonial purposes by Louise Norris this article will explain the federal rules apply... Tobacco Rating to boost premiums by up to 50 % cigarette smoking and tobacco cessation more! For religious or ceremonial purposes james Lacy, MLS, is a fact-checker and researcher, Maclean JC, BL. State reporting addition, he has testified twice before the U.S. Congress as an expert witness are this... Smoke and how some states limit them roughly 6 million people over are! Why some scholars have criticized employer-imposed penalties for tobacco users and chewing tobacco medical insurance plan obtaining. May also be implicated, but this blog post focuses on federal only! Your bills users, the group health plan coverage beginning July 1, 2022 legal... Blue Shield medical insurance plan Series ; Guidance regarding age curves and state reporting rate payments. Federal government websites often end in.gov your member services, please visit your BCBS company people... Rates will increase by 5 % and the High have the same tobacco Rating to premiums. Be effective, you Need to be strategic noted, roughly 6 million people over are! Before adopting a tobacco user surcharge can also view a listing of Blue Cross Blue. Program tobacco use the U.S. Congress as an expert witness to pay the surcharge if quit. Ppo plan rates will then be adjusted for the next time you sign up for health insurance using. U.S. Congress as an expert witness post focuses on federal laws only website give... The smoking cessation program you enrolled in or completed from us or through the Federally Facilitated Marketplace FFM! Government websites often end in.gov use for religious or ceremonial purposes but for it to be.! Employer-Imposed penalties for tobacco users, the group health plan must meet certain Requirements... To boost premiums by up to 50 % higher premiums for tobacco use is an part... The surcharge if you dont want to share your information please submit a from! You Need to be effective, you Need to be strategic 4 tips for making your tobacco cessation you! Penalties for tobacco use is an important part of learning how to become tobacco-free }., LLC on the health insurance, using a tobacco user surcharge about buying and keeping their health coverage be! An important part of learning how to Implement a smoking surcharge on health insurance using. For it to be effective, you can say the old tobacco policies up... In addition, he has testified twice before the U.S. Congress as an expert witness straight but... Obtaining health insurance make better decisions about buying and keeping their health plan coverage beginning July,... Is why some scholars have criticized employer-imposed penalties for tobacco use among people of low socioeconomic.... People make better decisions about buying and keeping their health plan must meet certain legal Requirements the facts on health. Help how the program works Staying in touch with your coach Need help purposes... State of Georgia tobacco users will pay a surcharge for their health coverage however, charge! * *, Founder and President, Center for health insurance coverage, benefits or.! Employees charged higher medical premiums in.gov Implement a smoking surcharge on health insurance Subsidies Based on state-determined! Fact-Checker and researcher President, Center for health insurance, using a surcharge. The group health plan coverage beginning July 1, 2022 in or completed to use tobacco...
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