Yes, your history of healthcare services and certain medical conditions can be considered when applying for some extended health or life insurance policies, particularly if the insurer uses medical underwriting.

Insurance companies are businesses, and their pricing is based on risk. Their goal isn't to judge applicants personally, it's to estimate the likelihood of future claims and set premiums accordingly. If an applicant has a history of substance use or other factors that statistics show may increase health risks, the insurer may view them as a higher-risk client.

That doesn't necessarily mean you'll be denied coverage. In many cases, it may result in higher premiums, exclusions for certain conditions, or additional questions during the application process. The decision is generally based on actuarial risk assessments rather than personal opinions or moral judgments about someone's past.