When it comes to quitting smoking, you need all the help you can get, including help covering related costs. That's where your health insurance smoking-cessation benefits may lend a hand.
More and more insurance plans are offering some coverage for quit-smoking help, such as nicotine replacement therapies and bupropion prescriptions. And two states—Maryland and New Mexico— actually require that companies do so. It's not state mandated in Ohio, but two of the biggest insurers— Anthem and Medical Mutual of Ohio—have agreed to cover 100% of the cost of stop-smoking medicines and counseling for everyone on their plans.
Why are insurers and employers adding this benefit? Easy. It's likely to save them money because nonsmokers tend to be healthier and require less medical care.
Find Out Whether Your Health Insurance Covers Smoking Cessation
Health plan benefits vary greatly and change frequently, so once you set your quit date, contact your insurance provider and ask. Here are some key questions:
Stop-Smoking Counselors and Programs
Is counseling covered?
Are complementary therapies, such as acupuncture or hypnosis, covered?