Those that are on illegal PEDs, how do you get health coverage in the USA? I have little understanding but not having done a lot of research outside of the news, I am unclear on this particular issue. I understand that you can be disqualified for pre-existing conditions, and aren’t you required to do a physical first?
Isn’t a drug screening part of that? And if it isn’t, if you show up in ER in insulin shock from non-medical use (for example), would your insurance cover it?
Just curious, not looking to start a shitstorm so it’s not in PWI, and I don’t want to get anyone in trouble, so it’s not in T-replacement or the Steroids forum
your assumptions are wrong. Pre-existing condition exclusion is no longer legal. I’m not sure where you got the physical/drug screening idea either. I’ve been medically insured for years and never had either. But maybe individuals getting coverage used to be forced to do this. I don’t know, I’ve always had coverage through work.
As far as the particulars of coverage, that varies depending on plan, but generally speaking, I believe the answer to your insulin question is yes, you would be covered.
I’m a natural adonis but I imagine if you simply stop taking a few weeks before you go in for blood work and keep your mouth shut about your use, you should be fine.
[quote]flipcollar wrote:
your assumptions are wrong. Pre-existing condition exclusion is no longer legal. I’m not sure where you got the physical/drug screening idea either. I’ve been medically insured for years and never had either. But maybe individuals getting coverage used to be forced to do this. I don’t know, I’ve always had coverage through work.
As far as the particulars of coverage, that varies depending on plan, but generally speaking, I believe the answer to your insulin question is yes, you would be covered.[/quote]
I thought you used to be disqualified for pre-existing, and that was a big issue with American health insurance. Maybe it depends state-by-state, provider-by-provider. I know that a lot of workplace insurance is just “here you go” with minimal testing - probably because they’re covering risk across a lot of people and the contract is big
I don’t know about other compounds but no physical I have ever been apart of has looked into the markers that would show PED use. You may kick out some high hematocrit or some elevated liver enzymes but nothing that would pin you on something
[quote]flipcollar wrote:
your assumptions are wrong. Pre-existing condition exclusion is no longer legal. I’m not sure where you got the physical/drug screening idea either. I’ve been medically insured for years and never had either. But maybe individuals getting coverage used to be forced to do this. I don’t know, I’ve always had coverage through work.
As far as the particulars of coverage, that varies depending on plan, but generally speaking, I believe the answer to your insulin question is yes, you would be covered.[/quote]
I thought you used to be disqualified for pre-existing, and that was a big issue with American health insurance. Maybe it depends state-by-state, provider-by-provider. I know that a lot of workplace insurance is just “here you go” with minimal testing - probably because they’re covering risk across a lot of people and the contract is big
[/quote]
‘used to’ is the key word. Maybe I wasn’t clear. The current law does not allow for disqualification for pre-existing conditions. And you’re right, that WAS a big issue. This is federal law now, however, and no state or provider has the right to disqualify based on pre-existing conditions anymore. Providers aren’t allowed to ask health questions to determine rates. It’s basically just age, and whether or not you’re a smoker. I’m pretty sure smokers have higher rates, but can’t be turned down for coverage.
Testing was not used previously as much as prior medical records were. But again, moot point now. Everybody can get coverage.
[quote]Aggv wrote:
Why wouldnt you want the doctor to know what you’re using? [/quote]
Doctors keep notes on everything you say in your chart. Insurance companies get to see those records. It’s also not out of the realm of possibility others could see those notes as well. There’s advantages of telling your doctor but there are also concerns. Its a good idea to carefully weigh that decision.
You could also ask your doctor if you can talk about some stuff off the record. If he says yes then you get the best of both worlds. Can’t hurt to ask.
You have to assume everything in your health/medical records is evidence and don’t for a second assume its actually private information, FYI. They won’t let random people off the street rifle through your records, but as soon as your records become relevant to anything in a legal proceeding you can bet your ass your going to be sitting there explaining what ever is in there under oath to some smug jackass with a shit eating grin on his face while a court reporter takes everything and a videogragher records your reactions. I’ve had that shit eating grin on my face many times.