Yuki Yang, Vice President of Client Services
An increasing number of organizations now offer premium differentials for tobacco cessation at their worksites. By the end of 2011, 40% of Alere Wellbeing’s clients had set up programs requiring tobacco users to pay a higher premium on healthcare than non-tobacco users.
Self-reporting works, but random testing can be a safeguard against dishonesty.
There are many ways to determine whether a person is abstinent from tobacco – many employers simply ask employees sign an affidavit or make a non-smoking pledge. Our experience shows us that self-reporting does work. Yet premium differentials can be quite large – as high as 20% of the total health insurance premium and increasing in 2014 under regulations associated with the Healthcare Reform Act – and some people worry that tobacco users will be tempted to dishonesty at the promise of financial reward.
Because the perceived threat of a randomized test can oftentimes be a deterrent to dishonesty, some employers have turned to nicotine testing - sometimes referred to as cotinine testing - to ensure that their premium differentials program is truly rewarding those who are making the healthiest decisions.
What is cotinine?
Cotinine is an alkaloid found in tobacco and is produced when the body metabolizes nicotine after ingestion. This means that cotinine can be used as a biomarker for exposure to tobacco. Cotinine is typically detectable for several days after the use of tobacco.
What kinds of cotinine tests are available?
Cotinine tests can be based on blood, urine, saliva, or hair. Tests that are based on blood, urine, and hair are a bit more complex and must be conducted by a professional biometrics service provider, oftentimes offsite in a laboratory setting (though some blood and urine tests can be conducted onsite where appropriate). Saliva-based tests, however, are easy to administer and can be done by any designated member of the Human Resources staff or other internal delegate.
Advantages of a saliva-based cotinine test:
- Test can be administered 4-7 days after last tobacco use.
- Inexpensive and non-invasive.
- Observed collections mean limited possibility for specimen tampering.
- Rapid tests can provide results within 15 min.
- Each test comes with detailed instructions for use.
Saliva-based tests are easy to administer and can be done by any designated member of staff. Each test comes with detailed instructions for use.
Note: Self-reported quit rates are highly correlated with the results of biochemical verification tests such a cotinine tests. Alere Wellbeing does not recommend using cotinine testing to verify quit rates.
Join Yuki for the next Clear Insights webinar, Best Practices for Premium Differentials in Tobacco Cessation, March 13 and March 20 at 11am PST. Yuki and a panel of human resources professionals experienced in premium differentials from Sherwin-Williams, Family Dollar, and WellPoint will share lessons learned and best practices. Visit Clear Insights to register.
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