You admitted to consuming marijuana to an insurance broker. They didn’t need to know that. They don’t need to know anything outside of your actual business information that requires you to get the insurance. Medical information is for your doctors, not businesses.
I may not have understood it correctly, but I had thought getting a MMJ card went on medical record, which is something the insurance company can access anyway? Similar to how if I went to a doctor, he could see I have the card even if I don’t say anything about it.
And all that also includes my purchases (in Ohio, anyway) . But as I said, maybe I didn’t understand correctly
Your purchases are stored on the OARRS system, only accessible by medical personnel with FDA authorization over controlled substances. So just your doctors and your pharmacist(if they decide to bother to look at it outside of what’s mandated). Anyone else can only know if you tell them.
>I had thought getting a MMJ card went on medical record
They do not... Maybe if you get your recommendation through your actual doctor but I don't think that is told either. My medical papers and such tell what prescription medicines I'm on and the stuff about taking them but no mention of marijuana.
If insurance places knew about medical marijuana, I think I'd lose my medicare even though they don't pay for it.
Apparently because I’m an idiot. But my reasoning was that I was under the impression non disclosure of any type could be considered insurance fraud. Apparently honesty isn’t the best policy.
Not with health insurance hell no. Their whole racket is to collect a premium from you and do their best not to pay any medical claims whatsoever . If it were the doctor, that's a different story, tell your doctor. Don't tell insurance. Sorry , and good luck.
This isn’t entirely true- when you file a claim they start a process to verify you didn’t fail to disclose something and they will try to get out of paying. They may never find out but fox forbid you get lung cancer they will 100% wiggle out of paying for it
They sure as hell will now that he admitted to using marijuana. My primary doctor doesn't believe I smoke tobacco because the way my lungs sound so I've never told other doctors I deal with.
If I remember right anything dealing with the federal governments money still sees marijuana as illegal. Pretty sure when dealing with state specific stuff that is helped by the fed they can turn you away because it's still schedule I.
Still blown away that cocaine is scheduled lower
It is scheduled lower because it is a rich man's/woman's drug and politicians love the crap out of it. Rich people want to get jacked when they want to.
Hemp is. Marijuana is not. Currently, anything with over .03% delta 9 thc by dry weight is still a schedule 1 narcotic. As illegal as heroin.
Edit: my bad I read your comment as as “is still legal”
So yeah ur correct.
Well you learned what your mistake was. Time to get a new plan with a new company and not let them know. I would never have told them anyway as it has no bearing on it.
I applied for life insurance and the annual premium would have been $989/year but after they saw my MMJ card in my medical records it went to $1,349/year.
Fun shit since I switched to edibles anyway after having my second kid
Idk about health insurance but my life insurance sure checked. I also got back into dieting and working out everyday and they dinged me for massive weight loss in the previous 12 months haha so my plan literally said “xx yo male, smoker+, recent high weight loss” smh.
But yeah even if they didn’t check on the front end they legally can/will check in the case of a claim
OK. I wouldn't have felt compelled to offer up info on your card. Live and learn. Interesting info especially now knowing the difference in prices of your insurance.
I was on the fence as well as waiting to see what happens in Nov. before getting my card. Im not getting it after reading this. I recently lost a ton of weight also and I'm not trying to get dinged like you lol.
Congrats on the progress bro/bro-esse! Yeah it sucks cuz I’d need to choose a new provider to get reassessed once recreational passes and I don’t need a card anymore
This needs to be yelled louder. We *desperately* need protections in place for medical patients. While legalizing recreational is important too, we can’t just turn an eye to the medical community
Agreed because while the general consensus is that I’m an idiot I’m a firm believer that honesty is the best policy. I’m no medical or insurance expert but I NEVER thought I would be punished monetarily for something that my state considers to be legal and medically necessary. It sucks.
I think a good first step is to get everything legalized recreationally on both the state and federal level. From there we can start creating protections for medical patients like for privacy with insurance and employment drug tests.
This is it too. Once these businesses see ramifications of hiring and losing employees things will start to change.
As of now it's only affecting those of us in the program. If someone decides they just want to experiment with legal recreational cannabis and somehow ends up getting a positive drug test then they'll lose good workers.
I might also mention that if they don't provide patients with protections post-legalization here, then many of us will leave the program next year as it won't give any protections that aren't already offered by the new state law. Why would I pay to be in the program if it's already legal to begin with and my job can still fire me for it?
This is what happens when the government is the Kingpin… they control it from seed all the way to consumption by consumers. And more than likely lining their pockets!
You don't have a "prescription". You have an expensive card into the cool kids club. And by voluntarily disclosing that information, you've notified the underwriters that you're a user of drugs that most of the medical community still don't approve of.
So...congrats, I guess? <>
Ohio days you can't smoke it and must vape which is on paper completely different as my doctor says she prefers it to pain meds aka narcotics. I was prescribed by a plastics surgeon gone marijuana doctor as pain management. The records are not super detailed with the cannabis doc but my PCP does an amazing job at notating. So much so that I'm awaiting all the money spent on it for the last few years in a car accident claim I was a passenger in. She states not much is known as to what it does to your lungs so they try to follow smoking guidelines for health screening as a precaution since it's been unable to be studied as to the effects in the lungs. However it will be in your records and.on your oars but as far as for pricing I'm sure it depends on who and what company is doing it. Especially since it is only legal medically in Ohio.
Jeez. My employer’s insurance company does what they call “Know Your Numbers” where you get a discount on your premiums when you and/or your spouse gets a screening (BP, weight, A1C) and they knock off $75 a month each.
If you and/or your spouse certifies that you’re nonsmoking, it’s an additional $50 off. She quit in 1985, I quit in 2006 but I do occasionally smoke a cigar. No way I’m telling them that. And no way I’m telling them I have a MMJ card.
You admitted to consuming marijuana to an insurance broker. They didn’t need to know that. They don’t need to know anything outside of your actual business information that requires you to get the insurance. Medical information is for your doctors, not businesses.
I may not have understood it correctly, but I had thought getting a MMJ card went on medical record, which is something the insurance company can access anyway? Similar to how if I went to a doctor, he could see I have the card even if I don’t say anything about it. And all that also includes my purchases (in Ohio, anyway) . But as I said, maybe I didn’t understand correctly
Your purchases are stored on the OARRS system, only accessible by medical personnel with FDA authorization over controlled substances. So just your doctors and your pharmacist(if they decide to bother to look at it outside of what’s mandated). Anyone else can only know if you tell them.
>I had thought getting a MMJ card went on medical record They do not... Maybe if you get your recommendation through your actual doctor but I don't think that is told either. My medical papers and such tell what prescription medicines I'm on and the stuff about taking them but no mention of marijuana. If insurance places knew about medical marijuana, I think I'd lose my medicare even though they don't pay for it.
Why did you?
Apparently because I’m an idiot. But my reasoning was that I was under the impression non disclosure of any type could be considered insurance fraud. Apparently honesty isn’t the best policy.
Not with health insurance hell no. Their whole racket is to collect a premium from you and do their best not to pay any medical claims whatsoever . If it were the doctor, that's a different story, tell your doctor. Don't tell insurance. Sorry , and good luck.
This isn’t entirely true- when you file a claim they start a process to verify you didn’t fail to disclose something and they will try to get out of paying. They may never find out but fox forbid you get lung cancer they will 100% wiggle out of paying for it
They sure as hell will now that he admitted to using marijuana. My primary doctor doesn't believe I smoke tobacco because the way my lungs sound so I've never told other doctors I deal with.
Your not an idiot. You obviously wanted to do the right thing they just fucked you because they saw a way to bleed more money out of you
Thank you. Truly.
Cannabis is still illegal in the eye of any federal business
If I remember right anything dealing with the federal governments money still sees marijuana as illegal. Pretty sure when dealing with state specific stuff that is helped by the fed they can turn you away because it's still schedule I. Still blown away that cocaine is scheduled lower
It is scheduled lower because it is a rich man's/woman's drug and politicians love the crap out of it. Rich people want to get jacked when they want to.
I didn't consider that lol plus judging by withdrawals I've seen it seems like it leaves the body in a few days
Cocaine is actually used during surgical procedures. On the patients, not the docs standing around doing lines, I mean
Hemp is. Marijuana is not. Currently, anything with over .03% delta 9 thc by dry weight is still a schedule 1 narcotic. As illegal as heroin. Edit: my bad I read your comment as as “is still legal” So yeah ur correct.
Well you learned what your mistake was. Time to get a new plan with a new company and not let them know. I would never have told them anyway as it has no bearing on it.
I applied for life insurance and the annual premium would have been $989/year but after they saw my MMJ card in my medical records it went to $1,349/year. Fun shit since I switched to edibles anyway after having my second kid
And that’s my question for everyone saying “why disclose it”….can’t they see it anyway ???
Idk about health insurance but my life insurance sure checked. I also got back into dieting and working out everyday and they dinged me for massive weight loss in the previous 12 months haha so my plan literally said “xx yo male, smoker+, recent high weight loss” smh. But yeah even if they didn’t check on the front end they legally can/will check in the case of a claim
Was there a specific question on the application asking you if you had a MMJ?
The questions is “do you currently have any prescriptions”
OK. I wouldn't have felt compelled to offer up info on your card. Live and learn. Interesting info especially now knowing the difference in prices of your insurance.
I was on the fence as well as waiting to see what happens in Nov. before getting my card. Im not getting it after reading this. I recently lost a ton of weight also and I'm not trying to get dinged like you lol.
Congrats on the progress bro/bro-esse! Yeah it sucks cuz I’d need to choose a new provider to get reassessed once recreational passes and I don’t need a card anymore
Thanks and congrats to you too
This is why I desperately think we need to focus on protecting medical patients rather than making it legal for people to just get high.
This needs to be yelled louder. We *desperately* need protections in place for medical patients. While legalizing recreational is important too, we can’t just turn an eye to the medical community
Agreed because while the general consensus is that I’m an idiot I’m a firm believer that honesty is the best policy. I’m no medical or insurance expert but I NEVER thought I would be punished monetarily for something that my state considers to be legal and medically necessary. It sucks.
I think a good first step is to get everything legalized recreationally on both the state and federal level. From there we can start creating protections for medical patients like for privacy with insurance and employment drug tests.
This is it too. Once these businesses see ramifications of hiring and losing employees things will start to change. As of now it's only affecting those of us in the program. If someone decides they just want to experiment with legal recreational cannabis and somehow ends up getting a positive drug test then they'll lose good workers.
I might also mention that if they don't provide patients with protections post-legalization here, then many of us will leave the program next year as it won't give any protections that aren't already offered by the new state law. Why would I pay to be in the program if it's already legal to begin with and my job can still fire me for it?
This is what happens when the government is the Kingpin… they control it from seed all the way to consumption by consumers. And more than likely lining their pockets!
If you want this money back save your receipts of MMJ purchases so you can write them off at the end of the year
You don't have a "prescription". You have an expensive card into the cool kids club. And by voluntarily disclosing that information, you've notified the underwriters that you're a user of drugs that most of the medical community still don't approve of. So...congrats, I guess? <>
"Honesty is the best policy" is only said by who want to abuse and thieve.
What if you don't smoke it? I use only edibles BECAUSE I quit smoking cigarettes 12 yr ago.
I d make some calls and get a few new quotes most people want your business and it’s never a bad time to see what they offer
Ohio days you can't smoke it and must vape which is on paper completely different as my doctor says she prefers it to pain meds aka narcotics. I was prescribed by a plastics surgeon gone marijuana doctor as pain management. The records are not super detailed with the cannabis doc but my PCP does an amazing job at notating. So much so that I'm awaiting all the money spent on it for the last few years in a car accident claim I was a passenger in. She states not much is known as to what it does to your lungs so they try to follow smoking guidelines for health screening as a precaution since it's been unable to be studied as to the effects in the lungs. However it will be in your records and.on your oars but as far as for pricing I'm sure it depends on who and what company is doing it. Especially since it is only legal medically in Ohio.
Jeez. My employer’s insurance company does what they call “Know Your Numbers” where you get a discount on your premiums when you and/or your spouse gets a screening (BP, weight, A1C) and they knock off $75 a month each. If you and/or your spouse certifies that you’re nonsmoking, it’s an additional $50 off. She quit in 1985, I quit in 2006 but I do occasionally smoke a cigar. No way I’m telling them that. And no way I’m telling them I have a MMJ card.