Smoker or non-smoker? Are you sure?

Yes, that's correct.

I dug a bit deeper, and I found this was in the policy wordings, the old Tower Premier Health policy. It was changed sometime in 2007/2008 to pick up auto allocation of smoker rates when continuing a child on to adult rates and policy.

This prompted me to question the long-held assumption: are non-smoker rates non-smoker rates?

Thankfully, the majority of the answers from providers came back with the answers we all expected.