I went through this recently and I simply asked what they were testing for.

IT IS NOT A DRUG TEST. They are testing for AIDS. They could care less if you get high. What they don't want is someone to take the home OraSure AIDS test, that person then finds out they have AIDS, then they take out a multi-million dollar policy. This is fraud and the insurance company needs to protect themselves from fraud.

In the old days when a doctor notified you that you were infected there was a public record for the insurance company to review. I know what some of you are thinking, No your medical records ARE NOT private, you signed away that right of privacy when you applied for the insurance. (read the fine print on the application)

Best of luck with the test!