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Old 05-07-2009, 03:03 AM   #1
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Default Insurance Physical-Anyone have experience?

Please help! My stats are 5'10", 200 lb. female, slower metabolism, chronic daily smoker. Last smoked 4/25. I have an insurance physical scheduled for 5/12 so will be 17 days sober. I'd like to try substitution with dilution as Plan B. I failed a home test last night after 2 1/2 hours diluting with 48 oz. of just water but have ordered a supply of tests online so will keep testing and experimenting when they arrive.

My physical will include a blood and urine sample and I need to fast for 12 hours beforehand. I scheduled this for 5 PM.

1-If I am supposed to fast (i.e. have only water for 12 hours), will they know if I use sports drinks as recommended for dilution?

2-They said I could take my morning prescription medicine. Can I safely assume it'll also be fine to take the asprin and vitamins as recommended (given that I am supposed to fast)?

3-Any idea if insurance companies use the same testing cutoff as employers or if they test for lower levels?

4-Any idea if I will be observed? They did say that I could have my physical at my home or place of employment but I scheduled it for their office site. I am guessing if they came to home or work they would have some sort of truck that the physical is conducted in (if that gives any clue).

If anyone has any experience with insurance physicals I would really appreciate hearing how it went. Thanks!

Last edited by Worrying : 05-08-2009 at 03:01 AM.
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Old 05-08-2009, 06:11 AM   #2
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Yikes, anyone? Bueller? I am really starting to FREAK OUT!!!
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Old 05-10-2009, 08:54 AM   #3
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Here's an update: I am still hoping someone can give me some sort of advice even though it's not looking good so far

This insurance physical is for life and disability insurance (as opposed to health insurance, if that matters). I have decided not to try to substitute in case they can tell since they are also getting my blood and I read somewhere the two should match and they can tell. I would rather be busted as a pot-head than someone who commits insurance fraud! Anyone ever been busted by an insurance company? I am wondering what will happen then because I think it's a definite possibilty at this point.

Does anyone know if I have a right to know exactly what they are testing my blood and urine for? A nurse told me I have a right to know so I contacted the insurance company and the person on the phone was very vague, said it was to assess my health and that she had no additonal information. I kept asking different questions but got no specific information. My mom thinks I should call back and demand that they tell me and, given how vague they were before, to ask for it in writing. I am paranoid of raising too much suspicion but I did make it seem as if I was simply concerned about DNA or genetic testing. I don't know how to find out what my rights are (if any) and I have been unsuccessful finding any info. on-line.

After drinking about 100 ounces of water over just 2 hours (no asprin or anything else), I was able to get a very, very faint second line on a home test. I know everyone says it doesn't matter how faint the line is but you really need to hold the test under a bright light to even see it. I will be 2 weeks clean tomorrow. Can I expect this to get much better in the next 2 1/2 days? I am worried that fasting for 12 hours will cause more THC to be released from my body though. Also that is more water than recommended so would that definitely come back diluted or if I consume mass quantities of creatine, might I get away with that much water? I was not peeing more that once every 20 minutes.

I am thinkiing of trying to reschedule the test for a week later, but wondering if that would just raise suspicion with the insurance company. I wonder if the 3rd party medical examination company would even notify the insurance company if I need to reschedule. The reason I am planning to give is that I will be on another prescription medication for the week (which actually is true) and it would make me too sick to fast (nausea is a side effect of the med).

Another thing I am concerned about is if all of stuff I will do to beat the THC test (dilute, asprin, creatine supplements) is going to skew whatever other tests they do (like liver function maybe, I wish I knew) and make me look unhealthy when really I am in excellent health. I even wonder if it would be bad to take 4 - 8 asprin before getting my blood drawn.

I have never been so stressed in my life. I would greatly appreciate any information or advice anyone can give. Good luck to everyone planning for an upcoming test!
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Old 05-10-2009, 04:02 PM   #4
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They could be conducting a drug test, but it is doubtful. The blood test is to determine if you are diabetic or have any diseases. They will check for Diabetis, Aids, etc.

They dont' need a truck to take a vial or two of blood and a pee specimen. They will probably also take your blood pressure, heart rate, height and weight. BTW, the insurance company knows exactly what tests will be run on your blood. If the receptionist couldn't tell you, you should ask to be put in touch with someone who CAN tell you.

Sub the pee test using someone who he healthy and clean.

p.s., sometimes they don't even want blood, but apparently they do in your case. The last insurance exam I conducted involved just vitals (BP, Heart rate, height & weight).
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Old 05-12-2009, 12:27 AM   #5
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Thank you so very, very much, Sec, for your advice. I followed up again to try to find out specifically what they test and was not given a list but told general health and a few other things important for insurance, like smoker status.

I have urine from a female friend my age who is on a prescription called Hyomax for irritable bowel syndrom (.25 mg/day). I also have a sample from a 9 year old female (who thinks it was simply taken to follow up on a bladder infection she had a couple months ago) who is not on any medication. Which is better to use? If I don't have enough, can I mix the two? I am still not even sure if I should sub, I am completely PARANOID that they will be able to tell the pee doesn't match my blood since they are testing other stuff. Does anyone know if they can tell?

I could still try to reschedule and hope dilution would work better for me next week. Sec, for insurance physicals, do you even tell the insurance company if someone reschedules? I swear, my blood pressue reading is probably going to suck from all the stress!
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Old 05-12-2009, 02:00 AM   #6
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Quote:
Originally Posted by Worrying View Post
Thank you so very, very much, Sec, for your advice. I followed up again to try to find out specifically what they test and was not given a list but told general health and a few other things important for insurance, like smoker status.

I have urine from a female friend my age who is on a prescription called Hyomax for irritable bowel syndrom (.25 mg/day). I also have a sample from a 9 year old female (who thinks it was simply taken to follow up on a bladder infection she had a couple months ago) who is not on any medication. Which is better to use? If I don't have enough, can I mix the two? I am still not even sure if I should sub, I am completely PARANOID that they will be able to tell the pee doesn't match my blood since they are testing other stuff. Does anyone know if they can tell?

I could still try to reschedule and hope dilution would work better for me next week. Sec, for insurance physicals, do you even tell the insurance company if someone reschedules? I swear, my blood pressue reading is probably going to suck from all the stress!
I would try to sub with synthetic urine if I were you. They're just looking for pre-existing conditions that they don't have to cover. If you can't sub with synthetic I would just follow the dillution sticky the morning of your UA. If they are tedting for drugs it will spell it out on the forms you will be signing.
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Old 05-12-2009, 03:32 AM   #7
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I am afraid they would know it's synthetic urine since they are doing medical tests for insurance, possibly in addition to drug screening. I have been trying to dilute unsuccessfully. I'm a very dirty bird!
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Old 05-12-2009, 11:58 PM   #8
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That is one of the prescribed uses for synthetic urine. Research QuickFix. I've used it for years and have never failed. And its recommended for physicals.
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Old 05-13-2009, 01:45 AM   #9
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I don't think I have the nerve to chance subbing with synthetic but I rescheduled for next week so I am hoping that dilution will work. I'll be about 25 days clean at test time.
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Old 05-19-2009, 04:12 AM   #10
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Crud, even putting off the test a week, I still don't think I can dilute. I am still hoping someone can answer my prior question about subbing:

I have urine from a female friend my age who is on a prescription called Hyomax for irritable bowel syndrom (.25 mg/day). I also have a sample from a 9 year old female who is not on any medication. Which is better to use? If I don't have enough, can I mix the two? Someone also suggested sythetic but since they are doing medical tests, woudn't that be a bad idea? I am still not even sure if I should sub as I read somewhere they can tell if the pee doesn't match my blood although from a few posts by Sec, it seems like not. Does anyone know if they can tell?
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