Tobacco Premium - FAQs
- The goal of the tobacco premium is to discourage the use of tobacco products, which are harmful to your health.
- Eliminating tobacco is a proactive way to help manage health care costs for everyone.
- A robust offering of tobacco cessation programs and cessation drugs support this health and wellness initiative.
- Premium pricing is deducted from your (bi-weekly or monthly) earnings.
January 1, 2018
All Faculty & Staff covered under Loyola University Chicago medical plans who are tobacco users.
- This certification must be renewed each year during annual open enrollment in order to receive the reduced medical premium. To report a change in tobacco usage mid-year please contact the Benefits Department directly via email at email@example.com.
A tobacco user is a person who has used tobacco in the past 3 months. Tobacco use applies to all types of tobacco products that are smoked (cigarettes, cigars, cigarillos, pipes, electronic cigarettes, vaping products or hookah), applied to the gums (chewing tobacco, dip, and loose tobacco) and/or inhaled (snuff).
Beginning January 1, 2018, the tobacco premium is $50.00 per month (or $600.00 per year).
- Cigarettes, cigars, cigarillos, pipes, chewing tobacco, snuff, dip, loose tobacco smoked via a pipe, hand rolled cigarettes, or hookah, electronic cigarettes, vaping products, and any other tobacco product - regardless of the frequency or method of use.
- Loyola University Chicago wants to support you, and this includes providing you with a vast number of resources designed to help you quit smoking!
- To meet federal guidelines, a tobacco premium must promote good health and prevention of disease;
- Participants must be given a chance to avoid the tobacco premium at least once per year; and
- Upon request, an individual must be provided with an alternative option - which the individual can satisfy in order to avoid the tobacco premium.
- We expect members of Loyola University Chicago to report honestly.
- Each faculty and staff member enrolled in the Loyola Medical Plan for 01/01/2019, will need to complete online annual open enrollment through Employee Self-Service, November 1, 2018 - November 21, 2018, to certify or re-certify your spousal premium attestation, and tobacco use premium attestation for 01/01/2019.
Yes, because they may contain tobacco, or they may contain nicotine, which is derived from tobacco.
If you become a tobacco user at any time during the year, you should notify Human Resources by submitting a Tobacco Affidavit Form so the premium can be applied.