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Do you not worry about buying life insurance and then asking for your medical history and then denying coverage or increased premiums?

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YMMV but my prescribed cannabis usage did not impact my life insurance premium. I was worried it would, but knew that the blood + urine tests would show usage anyway. It worked out for me.

Maybe things have changed but in 2016 I was unable to get life insurance in CA due to admitting to recreational cannabis use with a vaporizer. A ridiculously expensive “smokers” policy was the only thing on offer.

Things might have changed. I got my policy Sept. 2021.

There was a whole section of my application regarding cannabis usage. I provided my medical rec. There was a question about seeing a psychiatrist regarding cannabis usage (no). No questions about consumption method. My premium was that of the quoted non-tobacco premium, so I don't think it was affected at all.

Just because you discuss something with your doctor, doesn't mean that data needs to go into the EHR.

On the contrary you should assume it does unless you explicitly ask otherwise and even then it still might. And the OP is right, when you ask for life insurance they get everything because you have to allow them to ask for all data as if the request were coming from you.

Yes, what I was insinuating is that you should talk to your doctor about keeping occasional drug use out of the EHR before revealing any data.

They might add that data to your EHR against your wishes, though.

Then fire them.

Unfortunately, that doesn't fix the problem.

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