I have a simple question and hopefully I'm on the right Forum area for it. I recently got surgery and had to fight my insurance company to approve it due to tobacco use. I have quit the tobacco but my doctor said something that made me wonder. The doctor said that I had better stay off any form of tobacco for about 2 years since the insurance company can go back and test me and then go after me for the money on the surgery. I have never heard of such a thing and I figure if the insurance company has already approved it and paid for it that they couldn't retroactively come after me. Can anyone help me out here whether or not they can do this and where do I stand with the law. Thanks again for everyone's help.