A specimen laboratory question

[mosesbotbol]

Originally Posted by dijit

I am tested like this annually for my insurance. I always stop smoking 5 days before the test and I am fine. My company has used hair follicle, breath, and blood tests now and I am always counted as a non smoker. I average 2 cigars a day.

Tested annually? Never heard of annual testing for insurance. Why would they do that?

[Apoco]

Originally Posted by mosesbotbol

Tested annually? Never heard of annual testing for insurance. Why would they do that?

Depending on the type of insurance, they can have different rates for smokers vs non-smokers. While I don't agree with it, I could see where a company uses an annual renewal period to redo the full enrollment experience.

It's also possible that the company is smaller with less pull, and so they bounce from one insurance company to another each year. My current employer is only 20 people, and we have changed our insurance very single year to get the best available rate.