A
A20Grower
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Lots of misinformation in this thread.
Until the medical use of marijuana is accepted on a national level, no insurance carrier will cover MMJ-related claims.
If we're discussing private, individual insurance, in Colorado we have medical underwriting. When you apply and ask the insurance company to take you on as a risk, they are going to check your medical records. Not every carrier asks about marijuana specifically, and things like pre-existing health conditions, recent claims or medications could present problems. There's always Cover Colorado, our state's high risk pool. However, with that pool's increased utilization the premiums don't make sense for some people, even though it's subsidized for low income families. So we've solved the problem of access, how do we solve the problem of cost?
Nearly all carriers will rate up for tobacco use, no surprise there.
The only insurance company that would drug test would be an employer based workers comp claim, and even then a positive drug test doesn't mean denial.
Also, A20 specifically states that insurance carriers don't have to cover MMJ-related claims, so none will.
With regards to our healthcare system, there are two crises: cost and access. It was pretty easy for obama et al to pass a bill that says, 'cover 39 million more people' and solve the access part. It's a lot more difficult to address costs, since our healthcare system affects about 1/6th of our economy.
Health insurance is expensive because health care is expensive. If you think insurance is expensive now, just wait until 2014 when it's 'free'.
Until the medical use of marijuana is accepted on a national level, no insurance carrier will cover MMJ-related claims.
If we're discussing private, individual insurance, in Colorado we have medical underwriting. When you apply and ask the insurance company to take you on as a risk, they are going to check your medical records. Not every carrier asks about marijuana specifically, and things like pre-existing health conditions, recent claims or medications could present problems. There's always Cover Colorado, our state's high risk pool. However, with that pool's increased utilization the premiums don't make sense for some people, even though it's subsidized for low income families. So we've solved the problem of access, how do we solve the problem of cost?
Nearly all carriers will rate up for tobacco use, no surprise there.
The only insurance company that would drug test would be an employer based workers comp claim, and even then a positive drug test doesn't mean denial.
Also, A20 specifically states that insurance carriers don't have to cover MMJ-related claims, so none will.
With regards to our healthcare system, there are two crises: cost and access. It was pretty easy for obama et al to pass a bill that says, 'cover 39 million more people' and solve the access part. It's a lot more difficult to address costs, since our healthcare system affects about 1/6th of our economy.
Health insurance is expensive because health care is expensive. If you think insurance is expensive now, just wait until 2014 when it's 'free'.
