TOBACCO SURCHARGE FOR TI MEDICAL INSURANCE:
If you and/or your covered spouse or domestic partner uses tobacco products, there will be an additional charge of $30 per month for each covered adult tobacco user, with a maximum of $60 per month.You are considered a user of tobacco products if you use cigarettes, e-cigarettes, cigars, pipes or smokeless tobacco (snuff). Tobacco use is defined as any legal use of any tobacco product on average four or more times per week within the last six months (this does not include religious or ceremonial use). You must be tobacco-free for six months before you are considered a non-user. If it is unreasonably difficult due to a health factor for you, your covered spouse or domestic partner to meet the requirement to be tobacco-free for six months (or if it is medically inadvisable for you to attempt to stop using tobacco products), you must complete a formal tobacco cessation program (or request an alternative standard from the Plan Administrator) to avoid this additional cost.
Retirees that would like help with tobacco cessation can access help online or over the phone.
A free step-by-step “Quit Guide” is available at www.smokefree.gov.
National Cancer Institute: 1-877-44U-QUIT (1-877-448-7848) provides trained counselors to guide you through tobacco cessation. Help is available in English or Spanish, Monday through Friday, 8 a.m. to 8 p.m. Eastern time.
Your state quit line: 1-800-QUIT-NOW (1-800-784-8669) connects directly to your state’s quit line. All states have quit lines in place with trained coaches who provide information and help with quitting. Specific services and hours of operation vary from state to state.
You can avoid paying the tobacco surcharge if you can attest that you have completed a formal tobacco cessation program, regardless of whether you actually stop using tobacco products. To change your tobacco user status, contact the TI Benefits Center at Fidelity.