Will my dental insurance premiums be affected if I smoke?


Yes, similar to health insurance, providers will usually tack on additional premiums for smokers. Smokers are those that have smoked cigarettes and any other tobacco products for the past year. There are even some companies that define smokers as those who have smoked for the past 5 years.

The reason why smokers are charged higher dental insurance premiums is because those who smoke are more prone to diseases of the gums and teeth. In fact, smoking is considered one of the main reasons for tooth loss.

This means that the insurance companies are accepting more risk so it will need to charge you more in premiums.

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