You make great points and I did not know that insurance companies don't pay for smoking cessation drugs! That is incredible!
I guess it all boils down to fairness. Healthy lifestyles should be rewarded. Good driving records too maybe? Is this too big brother like? Or, in truth, actuarily sound? I know that car insurance companies give discounts for good grades, probably because the actuaries say it makes fiscal sense.![]()
I was ready to quit, got the prescription and found out it would cost $128.00 per month and they say you need to be on it for 6 months to a year. Seems like it would be cheaper for the insurance companies in the long run to pay for this. Your other points are valid, but it does seem a bit Big Brotherish.