The new forums will be named Coin Return (based on the most recent vote)! You can check on the status and timeline of the transition to the new forums here.
The Guiding Principles and New Rules document is now in effect.
Piss test for new health insurance.
Jinn
Registered User regular
Registered User regular
What uhh... are they testing for, exactly?
Jinn on
0
Posts
Could be for a lot of things. Drugs, for one. Other than that, though:
http://www.netdoctor.co.uk/health_advice/examinations/urinesample.htm
if you mean what drugs then its usually pot, coke, opiates (heroin, painkillers) sometimes booze.
Steam
XBOX
And, before it's asked, if they ask for blood, they're looking for leukemia and liver dieases such as the onset of cirrhinoceros and heepatitties.
Term life insurance can be a bitch as well.
That means that if you ask the doctor who ordered the test or the lab that's performing the test, they have to tell you what they're testing for.
But nobody here is going to be able to answer your question with 100% certainty.
the "no true scotch man" fallacy.
I can come pretty fucking close. Not just drugs; TOBACCO. If you pop up as a smoker, you are an obvious liability that is going to cost them money. And this will hike your rates something fierce.
They will also be testing for different levels of different kinds of nutrients and such that VThorn already covered.
PSN: TheScrublet
i'm a college student still on my dad's healthcare plan, he's switching to a new one and they want my piss
this sucks
thanks for confirming my fears
If it's diabetes... that freaks me out too.
If it's drugs... someone can correct me if they're wrong, but there's doctor-patient confidentiality here. I don't think they can tell your Dad anything. But I could be wrong, we may need someone with some more expertise in here on that. I would think... what was that regulation? Was it HIPPA? Let me look it up... but I think it's a federal rule that they can't share your medical records with anyone (even your Dad, even on his account) without your permission.
Though I guess he'd be suspicious if your premiums rise because of it.
EDIT: I can't find anything in the HIPAA about it, so I could be wrong. This may differ by state, or I may just not be able to find the correct section. I'm going to have to differ to someone who hopefully knows more about this.
Being a dependent on somebody else's insurance weakens a lot of those privacy protections.
the "no true scotch man" fallacy.
This may not be the end of the world. Do you think you're the only college student in the world who's smoked pot? Now if you're talking about other drugs there may be an issue, or if you're a smoker who's been hiding it from the family.
PSN: TheScrublet
There's no such thing as a "standard urinalysis."
That's like saying "a standard car ride goes to the mall, right?"
When a lab does a urinalysis, they test for whatever they're told to test for.
You really, really, really need to be asking these questions either of the doctor ordering the test or the lab performing the test.
the "no true scotch man" fallacy.
Not as much as you'd think. I remember it was actually kind of a pain in the ass when I was 19 and on my parents insurence. For any tiny little thing they had to call me and ensure that they had my concent before shareing information.
Depending on the drug, a lot of it leaves your system pretty quick anyhow
You're right. It's HIPAA. Once you are 18, doctors, hospitals, labs and any other facility that handles your medical stuff cannot share any of your information with anyone without your express consent or being directly involved with whatever medical condition that is being treated/tested. For the latter, they can only access the bare minimum they need to do whatever needs to be done.
For example, drug test: Name, address and yes/no for the drugs they are testing for.
Those thousands of forms with a wall of legalese? Chances are one of them is a release form stating that you're allowing them to share your information.
I've never heard of an insurance company requiring a urinalysis. If I had to hazard a guess, I would say that they are testing for pre-existing conditions (smoking, diabetes, kidney trouble, etc.) to excuse them from having to pay for anything that could be remotely related to them. Make sure to ask what they're testing for and why. They have to tell you, due to federal law.
You need to read up a bit:
http://en.wikipedia.org/wiki/Drug_test#Urine_drug_screen
http://www.erowid.org/psychoactives/testing/testing_info1.shtml
No one here can really know what they'll do. It depends on what you'd test positive for. Pot, heroin, meth, mushrooms, acid...there are many different drugs that have many different laws as well as different consequences from an insurance standpoint.
You can always try to postpone the test or wait as long as possible before scheduling it, although they may not let you do that.
According to wikipedia, detox products don't often work and they may know that you've taken them.
Frankly, I wouldn't confess anything until you get your results back. I was taking drugs (albeit ones that I had a prescription for) for a pre-existing medical condition that can be expensive for an insurance company to treat (although I was tested for a job, not insurance). They didn't ask me about the condition, I didn't tell them; they didn't mention anything about detecting the drugs, I didn't tell them. When I tried to get the drugs under the insurance that my job provided, they didn't bat an eye.
I wouldn't lie, that may get you into more trouble than you'd be in if you told the truth. They may not even test for drugs. If they do, they may not even care unless it's one that cause problems that cost them lots of money to treat.
If they are just testing for medical reasons, then they aren't allowed to test for drugs too, unless it's mentioned in there and you sign it saying that it's ok for them to look for drugs. Isnt' that the case or have I been misguided?
I heard that piss was concerned private property and just like private property, they aren't allowed search without a warrant or permission.
the weird thing is i'm the only one in the family that has to have a piss test... i wonder if this is a trap...
Health insurance? Probably, but less likely.
Remember, they have to run separate tests for that, and if I know health insurance companies it's to save as much money as possible in the shortest span of time. While someone who smokes pot may be a higher health risk for certain things, running the test is costly that they probably won't do it compared to just the required things like diabetes or kidney failure.
FYI in the future, unless you like to live without insurance, you may want to stop doing illegal things like smoking pot.
More likely it will be in the form of higher premiums and depending on what they find, significantly higher premiums.
Well if the parent contests a large premium hike they may get a paper back that says:
"Dispute denied: Reason: High THC count on dependent."
But they can still deny them if they run the test. I can't think of many reasons why they can't deny you.
I did it and passed a piss test 3 days after smoking, but that's hardly scientific.
Anyway your best bet is to postpone the test for as long as possible and don't smoke in the meantime. Anything you can do to flush your body out like drinking lots of water and exercising can only help. Drinking a shitload of water the day of can also help dilute your piss, but again that's hardly scientific.
I had a co-worker who's husband had to test for a new job, he had smoked like 2 days before interviewing, and instead of having a couple more days (week he hoped) he got a call back saying that he had the job and just needed to take a drug test the next day. He loaded up on water went in, he had to much water, they had to push his hiring date back like 3 days so he could retake the test which he passed. Even naturally two weeks is enough to work that out of the system.
When do you have to take this test?
I am sure that is part of the plan, but how long is a while. If the test is later today or tomorrow I am soooo sure the abstaining for awhile will allow him to pass the test :P.
But don't they still have to put a clause in there? As in "By agreeing to this, blah, blah, you agree we have permission to look for dope in your system boy"
Oh, and um, probably don't try to drink bleach. My friend did it, he passed the test, but he speaks rather unfavorably of the experience. Insurance is expensive, but being dead is pretty lame too.
Yeah I really don't know what you're talking about here Feral. It doesn't change the law or privacy conditions at all.
Well aside from whatever information shows up on the statement/bill. But as far as information from tests or from the doctor, they can't legally release any of that information without your consent no matter whose insurance you're on.