Got Insulin? - We do!
Subscriber
If I'm getting my T-levels tested, will that affect my health/life insurance?
MESO-Rx
Anabolic Steroids
Can Blood Testing affect Insurance?
- Thread starter Got Insulin? - We do!
- Start date
Do yourself a favor and self-test and self administer. These TRT companies are ripping you off and they’re ran largely by idiots.
Got Insulin? - We do!
Subscriber
This is probably a dumb question: but how do you self-test?
Got Insulin? - We do!
Subscriber
Awesome. I appreciate it!
Got Insulin? - We do!
Subscriber
Yes, I already have life insurance. I'm just concerned that, say I died, they'd look for any reason not to pay out. so they test me, find out what I'm on, and my wife and family is screwed.
Google where to get blood work and pick the blood work you want. Goodlabs has cheap options but you have to research what tests to do specifically
17SS
Member
I just see that as being accident related toxicology testing, maybe? They shouldn’t look at hormone levels?
But some of these insurance companies seem to be more bent on screwing people over than others.
I never thought about this, but it's a valid concern.
Let's say you randomly keel over dead with a heart attack, stroke, aneurysm, etc. If an investigation is launched, they will likely find out about your PED use from interviewing family, friends, or searching your house.
Another scenario is if you are being treated in the hospital for a life threatening condition and you tell the doctors about your PED use to help save your life, and then you die.
In both scenarios, insurers will fight tooth and nail to deny your claim, and will likely be successful.
/https://www.lifeinsuranceattorney.com/blog/2025/may/experimental-treatments-and-denied-life-insuranc/
If you died from a car crash, falling and bonking your head, or other reasons of that nature, you'd probably be fine as there would likely not be as thorough of an investigation, and as @17SS said, the toxicology from those instances would likely not discover PED use.
If you are using PEDs, life insurance claims being denied is a big risk.
Edit: This post is referring to the use of illegal PEDs. If you are legally prescribed PEDs, and tell your insurance company about them, you have nothing to worry about other than possible increased premiums.
Let's say you randomly keel over dead with a heart attack, stroke, aneurysm, etc. If an investigation is launched, they will likely find out about your PED use from interviewing family, friends, or searching your house.
Another scenario is if you are being treated in the hospital for a life threatening condition and you tell the doctors about your PED use to help save your life, and then you die.
In both scenarios, insurers will fight tooth and nail to deny your claim, and will likely be successful.
/https://www.lifeinsuranceattorney.com/blog/2025/may/experimental-treatments-and-denied-life-insuranc/
If you died from a car crash, falling and bonking your head, or other reasons of that nature, you'd probably be fine as there would likely not be as thorough of an investigation, and as @17SS said, the toxicology from those instances would likely not discover PED use.
If you are using PEDs, life insurance claims being denied is a big risk.
Edit: This post is referring to the use of illegal PEDs. If you are legally prescribed PEDs, and tell your insurance company about them, you have nothing to worry about other than possible increased premiums.
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Got Insulin? - We do!
Subscriber
ok, so you have to send it in after taking the sample?
Got Insulin? - We do!
Subscriber
Would it still be an issue if I did trt with a doctor vs on my own?
If you got it prescribed by a doctor and told the insurance company about it, it would not be an issue. Just a possible increased premium.
For what it's worth, I just applied for Life Insurance and have been running some labs on my own through direct-to-consumer website who uses LabCorp.
It turns out that because my total testosterone and Hct were elevated (1007 ng/dl and 54% respectively) I was denied. I was only using 100mg of Test C per week.
They told me they take an average of those markers over a six month period of time, and if I wanted to get them lower over the next few months, my application is good for a year. But of course, they wouldn't tell me what their "internal" ranges are.
But more than that, I didn't realize labs run through a third party website are still apparently accessible by agencies if they want to find them.
I figure I can discontinue use for 7 days, donate blood, and run a lab about five days afterward, x2, and hopefully will be good to go.
It turns out that because my total testosterone and Hct were elevated (1007 ng/dl and 54% respectively) I was denied. I was only using 100mg of Test C per week.
They told me they take an average of those markers over a six month period of time, and if I wanted to get them lower over the next few months, my application is good for a year. But of course, they wouldn't tell me what their "internal" ranges are.
But more than that, I didn't realize labs run through a third party website are still apparently accessible by agencies if they want to find them.
I figure I can discontinue use for 7 days, donate blood, and run a lab about five days afterward, x2, and hopefully will be good to go.
BeardedGuy
Member
The fucking insurance companies run this country.
My friend had a car accident and The General wasn’t paying, so a third party subrogation company was able to tell the state to suspend her license until she made payment arrangements. The fuck is that? Sue me, but don’t fuck w my ability to drive.
Anyways, I was als denied life insurance for “prescription history and test results.” Even though I never told anyone to share anything with them. But they had access to past records. I sent the letters to learn what issues they saw. Waiting on replies.
The irony? I only started TRT around 5 months ago as part of a health journey, so I could pass a life insurance test with flying colors. A1c dropped (5.3% to 4.7%), liver enzymes came down to the teens, BP went from decades in the mid 130s systolic to 115/60, yet I was denied. Go figure.
