The Individual Plans have smoker and non-smoker rates how are rates determined if only one member of the family is a smoker?
A. Because tobacco use affects all members of the family, the whole family is subject to the tobacco use rates. You must be tobacco free for one year and are subject to a nicotine test before you would be eligible for non tobacco use rates. Once you are a current member with DHP, any changes in rates will take affect at the following renewal period.
Related Questions
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