Can Smoking Affect my Dental Insurance Premium?
Answer:
Maybe. Health insurance companies
usually differ on premium pricing. Smokers may be charged a higher premium for dental insurance. In fact, premium costs are sometimes 50% more for health and life insurance.

Non-smokers are generally healthier than smokers. Insurance companies usually define a smoker as, “a person who used, smoked or otherwise consumed any kind of tobacco products during the previous 12 months.” Some insurance companies have even lengthened their qualifying time for smokers from 12 months to 5 years.

Insurance companies may decide to rate your premium. Rating means that the insurance company agrees to only insure you at a higher premium than the one they originally quoted to you. This can happen if the insurance company believes you represent an above average risk to them.

Dental care for smokers is considerably more challenging than for non-smokers. Smoking increases your risk for dental problems such as gum disease. Smoking is the leading cause of tooth loss. Insurance providers are becoming increasingly concerned about the effects of smoking on their policy holders and may refuse to grant coverage to an applicant.
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