Yes, everyone had to pay like a way higher price on insurance, and some even refused to insure people who were smokers at all. I just don't understand why people would do something like that to people. Granted we did all know that it was bad for our health in numerous ways, and probably sometimes even laughed it off as if the doctors were making bigger deals out of everything than was really needed to. You hear all your life about the smoker's lungs, cancer, and all that, but you don't hear about the vascular side of things, you don't hear about the dental side of things.
I had family who couldn't hardly even find insurance when they were almost dying in the hospital because of "pre-existing" conditions and because it was caused by smoking (the doctor had said). My grandma has PVD, in 2010 she had to have her toe amputated because it lost all bloodflow to it and turned gangrenous. She was so full of poison and needed stints, but didn't have insurance, when they went in to try to get it in an emergent state of things most places considered it pre-existing and didn't even want to have anything with it. Why is something labeled pre-existing anyways, yeah like okay the smoking was pre-existing but the illness? Wouldn't that just be a new diagnosis? Idk but it made me incredibly angry, we liked to never have found insurance that would help pay the 200k dollar medical bills from all the surgeries she needed to save her life but thank God we did.
Sorry I went on a little rant there lol. But insurance companies make me so mad, how can you choose between saving someone's life or not...
Also further about the dental, I was always told CHEWING tobacco was bad for your mouth and teeth but I only heard like 4 or 5 times in my entire life that smoking could just cause bad breath I mean, there wasn't anything I really heard other than the lung cancer repeatedly... Dental insurance should NEVER have been determined by being an EX or a current smoker. Especially an EX, because it takes tremendous courage to quit smoking.
That just brings me to another question, so do Dental Insurance and regular medical Insurance people just all consider every illness related to smoking pre-existing because of the past history of smoking? What happens to people who get lung cancer but need to get on insurance because they can't pay for treatment on their own?
I'm telling you, this world can be a very messed up and scary place!
when I found out I had to lose teeth due to the effects of smoking on receding gum lines and weak bones. 
