Tobacco users typically pay 10-20% more for Medicare Supplement insurance than non-tobacco users. Tobacco includes cigarettes, cigars, pipes, chewing tobacco, and vaping. If you quit tobacco, you may be able to request a rate reduction after 12 months of non-use.
Key Points
- Tobacco users pay 10-20% more for Medicare Supplement
- Tobacco includes cigarettes, cigars, pipes, chewing tobacco, vaping
- Quit tobacco: may request rate reduction after 12 months of non-use
- Some companies have more favorable tobacco rates than others
- An independent agent can identify companies with the most favorable tobacco rates