How many of you check "yes" for the tobacco use question on your health insurance enrollment form even though you don't smoke a cigar every day?

I plan to on my new health and life. I pretty much average 1/day. Don't want to be screwed out of coverage.

in order to be honest and not jeopardize your coverage or have a claim denied later because of a material misrepresentation, check no and write i smoke 1 or 2 cigars a week and i do not inhale the smoke.

you will get the coverage or you won't. if you get the coverage it might have an uprate because of the cigars. if you get the coverage, you are in clean and coverage can not be denied later.

if you want to discuss this more, email me

RICKAMAVEN
@HOTMAIL.COM

Sweet thing about being in the Navy. I'm covered even if I am an alcohol abusing, cigar smoking, junk food eating couch potato.

Bad part is the doctors ain't the best in the world... If they are any good they bolt to make the big bucks at the end of their internship.

I'm not complaining though. I severed my left index finger to the bone, including the tendons, and they got it working right for me. Plus I had that fancy laser eye surgery for free and I see great.

MAC,
I say you (and your fellow sailors) have earned the medical care for your service to our country.

Yeah gotta love navy docs...they scarred my knee up so bad i get disability just for that. I mark no and write in that i smoke a cigar a week or two.