Insurance power over time Colorado

Hard to say, but I'd simply avoid tobacco to avoid additional legal entanglements.

Or, you could use tobacco and see if what you were told is really true.

Your life, your rules, right?

 

Did you happen to claim you were a no smoker on you original or any later insurance applications or paperwork? If so, you were possibly rated at a lower premium which could be considered fraud if you actually are a smoker...

 

If they based your premium on a false premise (I'm trying not to say, if you lied on your application) then yes, they have the right to retroactively "go after you".

 

Your doctor doesn't sell insurance and your insurance agent doesn't perform surgery.

There is only one place you are going to get the answer to that question.

Look in your policy or plan booklet (contract) that explains your rights and obligations of both you and the insurance company.

 

Unless a physician is both a licensed physician and insurance agent.

I'm certain there are people who hold both credentials these days. LOL

 

Now that I think of it, I can envision scenarios where that might happen.

 

Today, it seems, people are full of surprises.