Most of the time they don't, but you can get your doctor to call the insurance company and tell them that he is prescribing them for migraine headaches instead of for opiate dependency, if your insurance comp. knows what it is really for than they will not cover it! Just get your doc to play along otherwise it is sooooo expensive!
My brother didn't get life insurance because the test revealed he had cancer. After a bone marrow transplant, he is Ok now. But the Physical test determines the insurance companies portion of the bet on your life.
A number of life insurance companies will offer life insurance coverage up until the age of 90, depending on which state the life insurance policy will be issued. Some things to note about older age underwriting: Each life insurance company has its own set of underwriting guidelines, some are more strict than others. It is critical to understand the underwriting requirements BEFORE you apply for life insurance. Examples for Age 76: Some companies will require a treadmill stress test for age 76, while other life insurance companies will require a simple resting Electrocardiagram. Some life insurance companies now test prosposed insureds for dementia by having the insured complete a "clock drawing test" or "word recall test"...Other companies won't test you for any of these. Some companies will require an insurance exam performed by an MD, while other companies will accept a simple paramed exam performed by an examiner. Any competent life insurance agent should be able to tell you the requirements before you apply for life insurance so you can decide beforehand if you want to apply to certain companies.
The insurance companies will not cover the cost of a paternity test. The reason why is that it is an elective test so you will have to pay it out of your pocket.
Yes.
Yes
yes
No, suboxone will not show up on a regular 8-panel test as an opiate or anything else. There is a test for suboxone, but it must be specifically tested for.
Suboxone can and will show up in a drug test.
Yes but most view it the same as tobbacco users so its not going to affect whether or not you can get it. I have many clients who toke!
can you fail a drug test by touching suboxone or kissing someone that is taking suboxone films
I believe they cant not test for hiv because its against the law . Answer is No This answer is not correct. The do test for HIV and most likely will not offer any type of life insurance if you test positive. There is not law prohibiting them from testing. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.
Yes, insurance companies test for cigarette use before deciding to give you life insurance or to decide how high your premiums will be.