QUESTION: if I do test positive, get that record in the MIB, apply for insurance somewhere else and they get that dirty record from MIB... will the new insurance company test me again? [I would be sure to be clean by that time.]You should have a copy of Farmers protocol for what they're testing for. They shouldn't be testing for drugs at all.

QUESTION: is there any way to get clean in 7 days? [Ha.]Probably not. Subbing with synthetic urine is probably your besy bey. Thats one of the reasons synthetic urine was developed was to beat these uneccessary health insurance tests.

QUESTION: should I just drop my application for this policy and go somewhere else and hope I don't get picked for a random test? Am I stupid to even consider trying my luck? My insurance agent said, "Half the test is willingness to take the test. If you refuse, you are denied policy. If you take it there is about 50% chance the insurance agency will never look at the results. They will just figure if you took the test, you had nothing to hide."
QUESTION: is that a load of BS????Could be. All the insurance company is looking for is pre-existing conditions so they don't have to cover you. Why get insurance if they aren't going to cover whats wrong with you? I would go with subbing with synthetic urine. If nothing else it will educate you on the process and what to look for next time.