why?? thats a bold statement
I know, but I can stand by cause I have seen it with my own eyes. Getting your testosterone replacement therapy (TRT), especially injectable, covered under your insurance is a big mistake.
With the changes going on in medical billing, with the new IDC-10 codes, and the ARRA, the whole idea of the new EMR / EHR is to keep a more accurate record of your patient health history. Medical practices are currently receiving incentive money form the government by participating in whats called "meaningful use".
Meaningful use is a requirement of receiving these incentives from the government. So what medical facilities have to do in order earn the money is ask patients things like do you smoke and keep accurate track record of your BMI.
So why is the government pushing for this? Because premiums are now being based on your health status and now the insurance companies have a nice and convenient way of tracking all the meds your on and your patient history.
So why does this matter to you? Now that all employers are required to offer insurance and pay for it, those rates will be calculated on the patient history and status of the employee's health. This is why so many corporations are implementing wellness programs in order to get the employee's back in shape, so their premiums will go down, and their overhead goes down.
So if joe has a high BMI and has fatty liver and Bob is on a specialty injectable medication that has been shown to increase HH more than the cream (because of unreliable controls in studies) what do you think they will score on the premium adjustment?
How will that affect your value as an employee for the company?
There are others scenarios this is just one of the many.
Now everyone will scream "they can't fire for poor health", your employer can find a reason to fire you, wether its the real reason or not is another question.
This is why so many are in an uproar over how they will keep insurance billable services separate from cash pay services. See if you pay cash for your services no one is allowed to disclose those services to the insurance companies. Here is an article about the omnibus rule
http://www.steroidology.com/forum/testosterone-replacement-therapy/645289-your-doc-will-have-trouble-keeping-your-cash-pay-services-off-your-record.html
So even if you pay cash for your medical services, most physicians and practices will have a really hard time keeping it separate. This is why it is important to find someone that uses a separate EHR/EMR for cash pay services.
Others will say "that hasn't happened to me" well all this stuff is in transition right now, and pretty soon you will see it popping up more and more.
Why anyone would want such a controversial treatment in their medical record is beyond me.
Hope this answers your questions.