Anthem’s Tobacco Free credit program incentivizes quitting combustible tobacco use. Understanding electronic cigarette (e-cigarette) eligibility is crucial for members seeking this benefit.
Electronic Cigarettes and the Tobacco Free Credit
Typically, Anthem’s Tobacco Free program credits do not apply to individuals who use nicotine-based electronic cigarettes. While distinct from traditional cigarettes, most e-cigarettes contain nicotine derived from tobacco. The program generally defines tobacco use as including any nicotine-containing product, regardless of delivery method.
- Nicotine = Non-qualification: If your e-cigarette contains nicotine, you will likely be deemed a tobacco user under program rules and ineligible for the credit.
- Nicotine-Free Exception: E-cigarettes devoid of nicotine might be considered differently. However, confirm this specific exception with Anthem, as program interpretations vary.
- Heat-not-Burn Products: Devices like IQOS, which heat actual tobacco, clearly constitute tobacco use and disqualify participants.
Program Mechanics
The Tobacco Free credit rewards enrollees who affirm they do not use tobacco by reducing their premium contribution. Anthem requires annual certification. Verification methods, such as random screenings, may apply. Using nicotine-based e-cigarettes during the program period risks losing the credit and potentially facing retroactive premium charges.
Key Considerations
Employer Variations: Some employers customize Anthem’s plan rules. While nicotine-based e-cigarette use usually counts, verify your specific employer’s plan documentation for definitive criteria regarding vaping.
Health Status: Even if nicotine-free e-cigarettes potentially don’t disqualify you for the credit, be aware vaping any substance carries health risks. The CDC does not recommend vaping as a cessation aid.
To definitively confirm your eligibility regarding e-cigarettes, contact Anthem member services or review your employer-specific Tobacco Free program documentation.
