And they are still traces of test or could indicate regular use.

Users of illicit drugs are more likely to quit early in life and not as clean lifestyle. Any illegal drug you can disqualify for reporting or you can pay a high premium for the coverage. Even some legal drugs can disqualify you as a customer at risk. If you take medications for diabetes, cancer or other serious diseases, the insurance is probably not about politics.

Make no mistake. Insurance is a gamble. You bet you can collect. The insurance company is betting that you are not. If the insurance company believes you have to collect more, they will pay higher premiums.

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