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In many cases: Tobacco users may pay 20%40% more for the same policy Some carriers impose a tobacco surcharge rather than a flat rate class A few insurers may decline coverage depending on age, health, and tobacco history Unlike health insurance, long-term care insurance is medically underwritten , meaning lifestyle factors like tobacco use carry long-term pricing consequences

I think this is rated so high because of the price point, if this was like $60 normally then no one would really care about it and it would be like a 3.8/5 on here

The treatment is adaptable and can be provided through various methods, including one-on-one sessions, support groups, or other forms of group therapy

The number of exceptions in U.S

We use cotton wicks, and our entire scent library is composed of non-toxic /phthalate free fragrances