Life insurance swab test: Is it important for your insurer?

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PostPosted: Tue Jul 19, 2011 11:44 am   Post subject:   

Even though the insurance company or agent may have verbally concealed (not misrepresented) the fact that the saliva test is primarily for HIV/AIDS, what is the harm to you if they obtain other results? You received a copy of the written disclosure notice, and read it, and made a decision based on what you read.



The saliva test is not going to reveal "all manner of illness and disease" and the disclosure does not say that it does. Although they could, most companies do not use it to screen for the use of drugs -- that's too expensive and unreliable from a saliva test alone. They prefer to use a blood test for those results. The saliva test is great for detecting the present of HIV/AIDS and nicotine, and costs the insurance company about $10-$30 per test.



By comparison, a full panel blood test will cost $100-$200. It can reveal medical conditions such as high cholesterol, liver enzyme irregularities, diabetes (or it precursors), sickle cell disease, and others, plus a blood sample can be tested for the presence of all sorts of chemical compounds, such as nicotine, alcohol, marijuana, cocaine, heroin/opiates, methamphetamine, and other substances.



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PostPosted: Wed Oct 12, 2011 2:01 am   Post subject: Nicotine swab test  

I quit smoking about seven years ago however once in a while I will smoke one here and there. Well our life insurance person shows up asks if I am a smoker and I say no because I don't consider myself a smoker anyway I had smoked half a cigarette about two hours before he came will that show?


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PostPosted: Wed Oct 12, 2011 11:02 am   Post subject:   

Quote:
I quit smoking about seven years ago however once in a while I will smoke one here and there


Then you haven't "quit" smoking, you have only tremendously reduced your use of cigarettes. You are in denial if you think otherwise.



Quote:
I say no because I don't consider myself a smoker


Again, you are in denial. If you smoke an occasional cigarette, you are a smoker. That's what the insurance company would say, and I would agree.



The question on the application was probably not worded simply "Are you a smoker?" For the agent to ask the question in that manner is probably not the best way to ask it.



Regardless of how it's worded on the application, I ask the question in a way that gets more correct answers: "Have you used tobacco products in any form, such as cigarettes, cigars, pipe or chewing tobacco, or products containing nicotine?" How would you answer that question? If you answer, "No," by your own admission, you are lying.



But your question is about the saliva test. It is mostly used to detect the presence of HIV. A side benefit is that the insurance company may choose to also pay for a nicotine test. If it does in your case, the answer is, yes, it might detect the presence of nicotine, and if it does, you will properly be rated as a tobacco user, and the premium you will be asked to pay could be 50%-100% more than for a non-tobacco user.



The saliva test for tobacco is sensitive enough to detect the nicotine in gum that some people chew to deal with their tobacco addiction, and they, too are rated tobacco users -- even though they don't even smoke "one here and there.".


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PostPosted: Mon Nov 28, 2011 3:55 am   Post subject:   

Yes DNA testing is too expensive, they don't do it. The swab gives info on drugs, tobacco and HIV.

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PostPosted: Wed Aug 01, 2012 4:22 am   Post subject:   

I work for a life insurance comp & we check to confirm that you are not a smoker, checks for HIV, AIDS & hard drugs


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PostPosted: Wed Aug 01, 2012 4:26 am   Post subject:   

Is def denied if hard drugs are present. You just get a letter in the mail stating your policy was denied, not sure if it says exactly why but the agent def knows exactly why when the results come back the next day.


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PostPosted: Wed Aug 01, 2012 11:44 am   Post subject:   

Quote:
but the agent def knows exactly why when the results come back


This is almost never true. The agent will know that coverage was declined, but not necessarily the reason. There are HIPAA and other state and federal privacy concerns that must be honored by the insurance company.


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PostPosted: Sat Nov 03, 2012 5:34 pm   Post subject: saliva test  

why do you have to do this and what is it for ?what is the insurance company looking for ?


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PostPosted: Sat Nov 03, 2012 5:37 pm   Post subject: mouth swab  

what if you are on doctor prescribed meds


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PostPosted: Tue Sep 29, 2015 3:14 am   Post subject: Gabapentin  

Does Gabapentin show up on a salvia swab administered by and insurance company.


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PostPosted: Sun Oct 04, 2015 6:26 am   Post subject:   

The saliva test is for HIV/AIDS and nicotine. It's not a tox screen for prescription meds. But if you suffer from epilepsy or seizure disorder, you have to disclose that in your application for insurance.



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PostPosted: Thu Jun 06, 2019 12:52 pm   Post subject:   

They have their website set out for love



Most people who sign up for an uniform dating service hope they might meet someone nice, come with a few dates, Maybe see love blossom. But a trio of online daters from Maryland made a different kind of match they started their own online dating service. It's a new Germantown based service that delivers each client with his or her own home page to mix and mingle with others seeking love, accord or, without doubt, Even business relationships.



for the three, this kind of site made sense. Each is a single parent who found the bar scene unappealing or bothersome, While finding the more popular online dating services, considering huge numbers of members, Often engulfing. "Some sites are so huge that you almost look like you're walking into a football stadium, mentioned Wheelock, 44.



So somewhat, They have tried to tailor their site to make international dating more intimate and productive. Each user there are under 5,000 so far has a home page out of which to privately view other members' profiles and send and receive e mails. all pages and posts are organized with e mail, Photo and chat room facilities, And personal contact information can be given out only by the user.



carefully seeking privacy not just from others online, But those who might be looking over your shoulders at home or the office, The site also consists of panic button that, When clicked, Links to a page that are a generic spreadsheet, So no one happening by can glimpse the private details of your activity.



The three partners are generally a good business match, With varying status that bring different talents to the site.



Gabriel, 47, Moved to Germantown from ny two years ago, after working more than 10 years in television producing and on independent event promotion projects. She was on manufacturing staff for Late Night With David Letterman and The Joan Rivers Show, And has used her example of high end promotion, Production as well as networking to give the venture commercial clout and a diverse client base.



Wheelock, A Timonium hawaiian for resident ), Uses his experience in software development for programming the Web site, all the while Paley, Who moved from Buenos Aires to Germantown about many years ago, Has example of information systems and a background in counseling. It caused her to move from new york city to Germantown, And to check out the online online dating services where she met Paley and Wheelock.



meant for Wheelock, The online dating scene was an answer to his home situation, Where he cares for his two kids. "[uniform dating] Is a way for me to have a social life and not having to leave the house, he was quoted saying.



After visiting online, Gabriel met Wheelock for coffee at a local favourite coffee shop. But rather than plan for a second date, They came out of the coffee shop with a business plan. After Gabriel had the identical date with Paley, He joined the hassle.



Based on their knowledge about other services, The three made a list of the things did and didn't like, And have tried to incorporate those ideas into their site.



among those users is David Brown, A 48 year old jobs manager from Ontario, the us. He says one of his beautiful latin girls favorite features is a section of a user's home page that tracks both who has viewed your profile and your contact history with users to avoid "continual effort" With another you already spoke to.



"You're going to find some generally going to rub you the wrong way, Paley considered that, Addressing the safety and privacy concerns inherent in online dating service personals.



ellie Schonfeld, A 44 year old site user in Maryland, Said setting specific search parameters has been helpful in finding people who suit her.



"already, visitors seem more honest, and maybe because it's a newer site, She described, But added one basic gripe: The males are "All way too short. Guys just don't care perhaps shorter than you,



Schonfeld said the best feature is the straightforward sign up.



"They take your answers and put them into a paragraph so people think about what you want to say, She announced, Referring to software that converts replies to multiple choice questions into an readable paragraph that the user can edit.



Schonfeld said that because the site is so new, She's only ventured out to meet an individual, And they in order to be just friends. The unique thing, She mentioned, Is they have actually stuck to that pledge, Which she said rarely takes place.



subsequently, Gabriel, Paley and Wheelock continue to develop additional features for the site. car stereo functions are slated for launch this month, In time for romantic evening. A Spanish language version of the site and an astrology component are other projects in movement, And Gabriel said they will also incorporate ideas from users who want to see new things.



this website, Though free the particular first 5,000 buyers, will eventually require a subscription of about $8 per month. And whether site becomes profitable, Its pioneers say, generating an income at matchmaking is rewarding in itself.


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PostPosted: Fri Jun 14, 2019 6:13 am   Post subject: ukraine wife  

Capt'n you



Captain_jayne 1 point put up 10 days ago



I dont understand why. WHAT KIND OF SHITTY CAR do you have that you most likely literally scared of people on foot, for example like, can occur. skin vs. light weight aluminum? heck, Even flesh vs. plastic? completely new driven a car before? Has anyone been able to buy that car when you didn want them in there? WHO trauma YOU,



Been threatened by grown ass men in vans, And I got out of my car and calmly stomped into my HOME. I was more scared being OUTSIDE my car then within it. this makes no sense.



Captain_jayne 1 point put up 1 month ago



yes, as somebody who used to have a script for Oxys(5,10,15 with), 10 may make you sick if your not used to them. Pill cutter? (Even butter dagger) percentage in half. while in the half again. Now use a version of those 1/4ths. Wait like two hours if you're up another. job a whole one please. They are a few details oxy and a shit ton acetaminophen (Tylonal) And after a binge or use your liver doesn't need that acetaminophen.



you should attempt melatonin tho, especially benedryl. Oxys never helped me tired.



I dont require much to reach for a date if we already matched. I one of the few that doesn have a ton of time to chit chat and I become burnt out on the same convo for of late. I use my name, the industry super "scarce" name (I the only person in the city, You facebook my name you get me). I use various social media not only personally but so I pretty readily available. and, I also live in a relatively small "Big urban, It the principle in the dating a russian girl state, But is familiar with everyone, Or family members, Or a buddy. i like it the midwest? that being said, The free dating online pool of single over 30 is super small. And it a running joke which everybody that single, Or has been in the last 10 years, Has dated additional in one form or another.


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