If I recently quit smoking, or if I quit now, can I get the non-smoker rates?
No, nicotine shows up in your blood tests for up to one year.

Does chewing tobacco count as smoking?
Normally, yes for health insurance. For some life insurance companies, chew tobacco is a standard non-tobacco rating.

What is co-insurance and how does it affect my premium?
Co-insurance is the amount that you (the customer) agree to be responsible for in addition to your deductible prior to the company paying 100% of a claim.

Are there maternity or dental benefits on a health policy?
No, unless you pay an additional premium.