G/friend suggests getting tested for STI's ??

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Postby noodles » Mon Sep 01, 2008 7:21 am

Cambridge wrote:
brunettebimbo wrote:I work in Human Resources so I don't deal with patients, I deal with all the employees, it is difficult to work with sometimes.

For example if someone rings asking if an employee still works there we can't tell them either way, for all we know it could be a pshycho ex!

There are loads of exmples but we try our best to stick to the Act even if I called loads of names because I'm strict on it and people think i'm just being akward!


Well stated, Brunette. But I stick by my post. Same scenario, except the psycho ex is George W. Bush. I am here to inform, not to argue. :D


Cambridge is right. Even in the uk. Many Insurance companies will charge you a higher premium if you've been tested for HIV - to them if you are testing yourself then you are a high risk. If you've been tested officially and dont disclose, at the point of investigation into a claim your poilicy will become invalid.

Equally if you're a gay man whos been in a relationship with one man for 20 years your premium will still be higher than a single straight woman just becuase they're gay and statistically you are at more risk (or at least you were). Individual lifestyles arnt taken into account - well people could lie couldnt they so they use statistics and blanket rules to assess risk.

Its all up the wall. there are some insurance companies who are becoming much more ethically sound thankfully.

With regards to HIV tests - anyone (in uk) can go to thier GUM clinic and be tested under a false name. Its the only way infortunately to ensure that it doesnt come back to haunt you at any point.
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Postby brunettebimbo » Wed Sep 03, 2008 12:36 pm

noodles wrote:
Cambridge wrote:
brunettebimbo wrote:I work in Human Resources so I don't deal with patients, I deal with all the employees, it is difficult to work with sometimes.

For example if someone rings asking if an employee still works there we can't tell them either way, for all we know it could be a pshycho ex!

There are loads of exmples but we try our best to stick to the Act even if I called loads of names because I'm strict on it and people think i'm just being akward!


Well stated, Brunette. But I stick by my post. Same scenario, except the psycho ex is George W. Bush. I am here to inform, not to argue. :D


Cambridge is right. Even in the uk. Many Insurance companies will charge you a higher premium if you've been tested for HIV - to them if you are testing yourself then you are a high risk. If you've been tested officially and dont disclose, at the point of investigation into a claim your poilicy will become invalid.

Equally if you're a gay man whos been in a relationship with one man for 20 years your premium will still be higher than a single straight woman just becuase they're gay and statistically you are at more risk (or at least you were). Individual lifestyles arnt taken into account - well people could lie couldnt they so they use statistics and blanket rules to assess risk.

Its all up the wall. there are some insurance companies who are becoming much more ethically sound thankfully.

With regards to HIV tests - anyone (in uk) can go to thier GUM clinic and be tested under a false name. Its the only way infortunately to ensure that it doesnt come back to haunt you at any point.


I have had a ful screening at GUM and I would be extremely mad if I was exploited by an insurance company by doing the 'right' thing! If this really is true, I wouldn't be surprised if people stopped having them done!
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Postby Mr B » Thu Sep 04, 2008 6:27 am

noodles wrote:

Cambridge is right. Even in the uk. Many Insurance companies will charge you a higher premium if you've been tested for HIV - to them if you are testing yourself then you are a high risk. If you've been tested officially and dont disclose, at the point of investigation into a claim your poilicy will become invalid.
.


A high risk for what?? If its life insurance you're talking about the only thing they won't insure you against is a pre-existing condition.
Your opinion is wrong.
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Postby Hotel_Whiskey » Thu Sep 04, 2008 9:55 am

This is the biggest BS I've ever heard!!!

Do yu actually live in the UK and have yu ever been tested and known yur premiums to go up?!

I have life and medical insurance... neither of which have ever gone up due to this. I have regular STD tests including HIV.
The results aren't even sent to the doctor!!!

And yu really haven't thought it through... because how would yu get yur results if yu don't give yur details?!?!?!

They are usually posted through!

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Postby brunettebimbo » Thu Sep 04, 2008 12:37 pm

snappy120_2 wrote:This is the biggest BS I've ever heard!!!

Do yu actually live in the UK and have yu ever been tested and known yur premiums to go up?!

I have life and medical insurance... neither of which have ever gone up due to this. I have regular STD tests including HIV.
The results aren't even sent to the doctor!!!

And yu really haven't thought it through... because how would yu get yur results if yu don't give yur details?!?!?!

They are usually posted through!

x x x


I'm always given a log number, they will either ring me or I will ring them.
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Postby Cambridge » Fri Sep 05, 2008 4:27 am

Mr B wrote:
noodles wrote:

Cambridge is right. Even in the uk. Many Insurance companies will charge you a higher premium if you've been tested for HIV - to them if you are testing yourself then you are a high risk. If you've been tested officially and dont disclose, at the point of investigation into a claim your poilicy will become invalid.
.


A high risk for what?? If its life insurance you're talking about the only thing they won't insure you against is a pre-existing condition.


The issue is premiums "B"...sure they'll insure you for a high risk factor, but at what price?
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Postby Cambridge » Fri Sep 05, 2008 4:42 am

brunettebimbo wrote:
snappy120_2 wrote:This is the biggest BS I've ever heard!!!

Do yu actually live in the UK and have yu ever been tested and known yur premiums to go up?!

I have life and medical insurance... neither of which have ever gone up due to this. I have regular STD tests including HIV.
The results aren't even sent to the doctor!!!

And yu really haven't thought it through... because how would yu get yur results if yu don't give yur details?!?!?!

They are usually posted through!

x x x


I'm always given a log number, they will either ring me or I will ring them.


The results aren't even sent to the doctor!!!


So they didn’t become a part of your medical records, then.

And yu really haven't thought it through... because how would yu get yur results if yu don't give yur details?!?!?!


You and your doctor agree to send it through as a fictitious name or confidential number/password, etc. Then it is shown confidentially you but kept separate from your medical records under the code or fictitious name.

When you sign up for health or medical insurance, you must provide a Release of Records of all your previous doctors (these are the records that subsequently go into that big database). However, if your doctor is loyal to you he will only send the records under your name, not your code. If he’s an insurance company ho…well, admittedly it’s an imperfect system as long as your doctor knows.

I'm always given a log number, they will either ring me or I will ring them.


If you are given a log number most likely you are operating under the system I have just described. You are concealing the fact of your tests from the insurance records, which is what I originally recommended...if you check.
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Postby Mr B » Fri Sep 05, 2008 6:27 am

Cambridge wrote:
Mr B wrote:
noodles wrote:

Cambridge is right. Even in the uk. Many Insurance companies will charge you a higher premium if you've been tested for HIV - to them if you are testing yourself then you are a high risk. If you've been tested officially and dont disclose, at the point of investigation into a claim your poilicy will become invalid.
.


A high risk for what?? If its life insurance you're talking about the only thing they won't insure you against is a pre-existing condition.


The issue is premiums "B"...sure they'll insure you for a high risk factor, but at what price?


What? All of us posting here are in the UK...we generally dont need health insurance anyway, we have the NHS, its free. You either have HIV or you don't, no amount of testing will change the price of anything.
Your opinion is wrong.
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Postby Hotel_Whiskey » Fri Sep 05, 2008 8:15 am

lol
As I said before... I'm routinely tested and I have private insurance (wouldn't cope without) and it's never gone up due to an STD test :roll:

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Postby Cambridge » Sat Sep 06, 2008 2:07 am

snappy120_2 wrote:lol
As I said before... I'm routinely tested and I have private insurance (wouldn't cope without) and it's never gone up due to an STD test :roll:

x x x


Right snappy. You prove my case. So does Brunette.

You are both using the code-name system and, lo, surprise, your insurance rates are not affected.

I never glote. :whistle: :D
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Postby Mr B » Sat Sep 06, 2008 9:59 am

Cambridge wrote:
snappy120_2 wrote:lol
As I said before... I'm routinely tested and I have private insurance (wouldn't cope without) and it's never gone up due to an STD test :roll:

x x x


Right snappy. You prove my case. So does Brunette.

You are both using the code-name system and, lo, surprise, your insurance rates are not affected.

I never glote. :whistle: :D


How is snappy using the code name system??
Your opinion is wrong.
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Postby Cambridge » Sat Sep 06, 2008 10:08 pm

snappy120_2 wrote:The results aren't even sent to the doctor!!!
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Postby Mr B » Sat Sep 06, 2008 10:59 pm

Cambridge wrote:
snappy120_2 wrote:The results aren't even sent to the doctor!!!


Thats standard procedure. Not a request from snappy to not send the results to her doctor. They don't send them for anyone.
Your opinion is wrong.
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Re: G/friend suggests getting tested for STI's ??

Postby Lewi-D » Sun Dec 21, 2008 6:22 pm

Congratulations on taking a responsible attitude to the world.


On the other issue, I've recently seen a copy of Scientific American about Privacy - one intriguing idea is that if you have a genetic test - say for some disease inherent in your family - this information may escape . . . and suddenly no one wants to insure you. For taking the responsible action, one is stung.

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Re: G/friend suggests getting tested for STI's ??

Postby Cambridge » Mon Dec 22, 2008 7:26 am

Lewi-D wrote:Congratulations on taking a responsible attitude to the world.


On the other issue, I've recently seen a copy of Scientific American about Privacy - one intriguing idea is that if you have a genetic test - say for some disease inherent in your family - this information may escape . . . and suddenly no one wants to insure you. For taking the responsible action, one is stung.

Lewi D


Xactly. People may want to bury their heads in the sand, but reality is what it is. Does anyone believe in the privacy features of the good old USA after the Patriot Act? Does anyone want to believe in protection of American privacy after Obamma voted in favor of the FISA provisions? The truth of the matter is, both the left and the right want to expand their knowledge base of the public following the 2008 election. After seeing what Obamma raised in his election campaign, it become an economic issue as to who is out there.
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