Multiple Blood Analysis

Jonathon · medicine forum beginner Joined: 07 Oct 2005 Posts: 1

To get an insurance policy, I have to have a "multiple blood analysis"
test. Can you please tell me what that is? Does it just mean multiple
tests on the one blood sample, without identifying the particular types
of tests involved?

Jonathon

John Gentile · medicine forum beginner Joined: 30 Apr 2005 Posts: 40

On 2005-10-07 18:21:46 -0400, "Jonathon" <jpmoore@vicbar.com.au> said:

Manky Badger · medicine forum Guru Wannabe Joined: 01 May 2005 Posts: 158

"Jonathon" <jpmoore@vicbar.com.au> wrote in message
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LC · medicine forum beginner Joined: 15 Feb 2005 Posts: 10

JEDilworth · medicine forum addict Joined: 06 May 2005 Posts: 87

I'm guessing that you'll have a basic chemistry profile, possibly
including a complete blood count (CBC) and an HIV test for AIDS. They
also might want a urine sample, which they will probably screen for
nicotine to make sure you're not a smoker. They also might do a drug
screen. Please realize that this is just a guess on my part. When I
worked for a private lab some years ago, we used to draw blood for
insurance patients and they would bring in a kit with the tubes
included, etc. We would draw the blood, spin down the sample, pack up
the serum, urine if requested, and send it to the lab that was
contracted to do the work for the insurance company. We would get paid a
drawing fee.

Insurance companies don't want to insure someone with AIDS, and they
will charge you a larger premium if you smoke. It also probably depends
on how large of a policy you're applying for. The larger the policy, the
more skittish the insurance company becomes and the more tests they may
want to insure you. Again, I'm guessing. Ask your agent how this all
works where you are. They will weigh the blood work results with any doc
visits you have cited on your application. An underwriter will decide if
you're insurable, and "rate" you with a higher premium if there's
anything they don't like.

You probably won't be able to get the results of your tests. Your agent
MAY be able to find out what knocked you out of the running if something
goes awry. Ask whether you have to be fasting, as they may be checking
cholesterol, triglycerides, and HDL's closely (these are cardiac risk
markers).

Insurance companies hate risk. That's how they make their money. Just
keep that in mind.

In the US, there is a big database for insurance companies located
somewhere on the east coast. If you apply for insurance and are turned
down for whatever reason, they will have a record of it. They also keep
track of insurance claims - including medical insurance if I'm not
mistaken. When your agent asks you all the prequalification questions
for a policy, all of this data goes into their database, along with any
data they get from the docs you list on the application. I have read
about this stuff and have gotten some of it from my own insurance agent
also.

Good luck!

Judy Dilworth, M.T. (ASCP)
Microbiology

"Jonathon" <jpmoore@vicbar.com.au> wrote in message
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