health insurance and gear

[slyfalcon]

went to doc for blood test and gen physical. b4 i said anything he asked me if i was on gear. (still natty except for halodrol) So i told him i was thinking about cycling to get to my personal goals not for comp. he told me aside from the blah blah blah effects that it was possible that if the gear caused some ill effect that i needed to use my insurance to treat it it wouldnt be covered if it was determined that gear was the cause. anyone have any experience with this? I mean hes a good honest dr. just leveling with me, but not being able to use insurance or being liable for medical payments is scary, esp since i have alot of assets to lose. damn HMOs have everyone by the short ones. can anyone say insurance reform. soon if you get an std that wont be covered either. does it end? WTF are we paying for?

 

[cdog]

I agree with the doc,even though I hit the juice,to me its like smokin(I dont smoke)I think if you do it to yourself, its your responsibility,why should everyone else pay?you know the risk,you can accept those risk as long as you dont have to pay for them?

 

[slyfalcon]

what do you mean? I am paying and everything you do is a risk to one extent or another. you still should be covered, smokers are, aren't they?

 

[cdog]

smokers are covered(but shouldnt be),but juice is not legal why would the non life threatining effects be covered?you pay insurance for the norm everyday kind of person?if you work in a dangerous field you will pay higher because of the risk,it makes sense to me

 

[DADAWG]

went to doc for blood test and gen physical. b4 i said anything he asked me if i was on gear. (still natty except for halodrol) So i told him i was thinking about cycling to get to my personal goals not for comp. he told me aside from the blah blah blah effects that it was possible that if the gear caused some ill effect that i needed to use my insurance to treat it it wouldnt be covered if it was determined that gear was the cause. anyone have any experience with this? I mean hes a good honest dr. just leveling with me, but not being able to use insurance or being liable for medical payments is scary, esp since i have alot of assets to lose. damn HMOs have everyone by the short ones. can anyone say insurance reform. soon if you get an std that wont be covered either. does it end? WTF are we paying for?

READ MY LIP unless its life threatening or incredibly serious DONT TELL THEM ABOUT THE JUICE .

 

[cdog]

READ MY LIP unless its life threatening or incredibly serious DONT TELL THEM ABOUT THE JUICE .

now this is true!

 

[1HIHAYN]

very much agreed!

 

[AZlift]

i agree. at all costs dont tell them you were on gear. there are alot of wierd things that happen to the body. they cant really prove anything unless you tell them.

 

[slyfalcon]

dadawg i think your right, still weighing all possibilities both positive and negative. but my other question is blood tests. how do you go about getting them without insurance. i mean do i monitor myself or have a doc do it. and if i go to doc what do i tell him? I need him to order tests under insurance and the tests would need a reason. tell him to check cholesterol? or the hell with the tests and just cycle test e or c for first cycle and see how it goes an dont worry about blood test unless there are probs?

 

[DADAWG]

dadawg i think your right, still weighing all possibilities both positive and negative. but my other question is blood tests. how do you go about getting them without insurance. i mean do i monitor myself or have a doc do it. and if i go to doc what do i tell him? I need him to order tests under insurance and the tests would need a reason. tell him to check cholesterol? or the hell with the tests and just cycle test e or c for first cycle and see how it goes an dont worry about blood test unless there are probs?

if your insurance pays for a yearly physical just time it post cycle . the chances of anything serious from a reasonable dose test cycle is tiny at best , cholesterol might go up but without orals your liver values should stay just fine .

 

[roccodart440]

went to doc for blood test and gen physical. b4 i said anything he asked me if i was on gear. (still natty except for halodrol) So i told him i was thinking about cycling to get to my personal goals not for comp. he told me aside from the blah blah blah effects that it was possible that if the gear caused some ill effect that i needed to use my insurance to treat it it wouldnt be covered if it was determined that gear was the cause. anyone have any experience with this? I mean hes a good honest dr. just leveling with me, but not being able to use insurance or being liable for medical payments is scary, esp since i have alot of assets to lose. damn HMOs have everyone by the short ones. can anyone say insurance reform. soon if you get an std that wont be covered either. does it end? WTF are we paying for?

#1 as DaDAWG said say no unless you know he is oof the record. My PA is off the record my doc isn't.

#2 YOur doctor is the one that is basicly saying he is going fuck ouy in this story. Back to #1. Next time ytyou see him tell him you chaged your mind and decided NEVER to use juice period and deny from then on.

 

[thee12nv]

There are offer blood tests pretty cheap . you go to a local clinic and they draw the blood- fedex it to the lab and you have your results in a few days. Might be a good option - something I am looking at.

 

[slyfalcon]

There are offer blood tests pretty cheap . you go to a local clinic and they draw the blood- fedex it to the lab and you have your results in a few days. Might be a good option - something I am looking at.

probably the best way to do it and cut them out i guess thanks dadawg and co.

 

[Lion8974]

Sorry, but this thread is full of BS opinions.

My wife is an underwriter for United Health (and PacifiCare... Currently merging together) and before I started my first cycle we discussed this.

For starters, the doctor would have to write your situation up as caused by your "stuff" whether it is self induced or rubbed on like barry bonds.

Second, you pay for your coverage. As long as you do the annual check ups with your physician and get a clean bill of health, they cannot decline you coverage for anything unless you tried committing suicide. Any injury, reaction, or the like is what your insurance covers and is what you pay for. If you are declined coverage, the health insurance company is vulnerable to a major lawsuit if their refusal of coverage can't be justified. Steroid use is not listed as a precursor to deny coverage.

third... Slap the shit out of your doctor for even causing you an ounce of worry of this topic. It is not in his place to say who has what coverage. If he falsely states causes and effects of your symptoms and/or reasons you would need to see a doctor do to steroids, he can have his licensed suspended or revolked unless he is a current sports medicine specialist with a certificate in drug abuse/addition specialist to even be able to pinpoint your steroid use as a cause. It also sets him up for a lawsuit by you. Worst case scenario, you would see a doctor for either bad gear (alergic reaction/poisoning) or injection into the bloodstream. Injection into a blood stream is listed as either drug overdose or unprofessional misuse of a controlled substance. A reaction is handled as the same as a reaction to a bee sting. Either of those cases would not give right to the doctor to transcribe the cause as steroid use unless they did a test and got the results back before you left the medical facility. Highly unlikely. Test usually take 3-5 days if not longer.

A heroine addict gets full coverage medical insurance without amendments or listed and noted disclosures of a substance addiction. This can only be placed in the policy officially if the addict went through treatment previously or was arrested for it.

You are fully covered without issue while cycling. You know the personal risks so be careful.

 

[DADAWG]

lino you have some good points but IF and i say If his use became official somehow [doctor/arrest/etc.] insurance may have to underwrite his policy but unless hes on a group policy they may jack his price for coverage up just like they would if you had a serious medical condition . i have a friend whos mom got cancer and his dad owned his own business , the insurance companies raised his premiums well into the thousands a month so he couldnt afford coverage . i dont know the laws on this like your wife but i know for a fact the insurace company did this too him legal or not

 

[Lion8974]

DaDawg, you point out something that can be a real issue. The problem with it is that the insurance carrier HAS to provide the reasons why the policy increased (this is referred to as change of conditions and is graded by a point system). The carrier is trying to recoup its losses by increasing the policy. Your friends policy was probably taxed heavily when she was first diagnosed. (my condolenses to your friend and his family and I hope they are doing well)

The possibility of something like that happening to a user of AS are next to nil' unless you are using something else that puts you at risk or you are stacking or injecting a ridiculous amount of gear.