Ok a lot of the information in this thread is conjecture, speculation, and in some instances flat out bullshit.

Having test results which show elevated SGOT, HDL/LDL, Testosterone, Estradiol, etc, is not "flat out" indicating use of exogenous hormones. A person who is hypergonadal due to a pituitary tumor could present with all of those lab values when they have blood work done. There is a plethora of medical conditions that can explain away those lab values, and anabolic steroid use is seen so infrequently by health care practitioners, that unless the patient admits to using, it will almost never be their first thought. The rare exception may be if an Endocrinologist is reviewing the lab work, but aside from that your average Emergency Medicine/Internal Medicine doctor is not going to jump to that as his first conclusion.

Second, whether or not you are denied health insurance relies on a multitude of factors, including what state you live in. For instance, in the state I live in, New Jersey, they are a "must issue" state. This means that by law you cannot be denied health insurance if you apply for it, and the quoted premium price is the price the policy will be issued at, and this quote occurs prior to your medical records being reviewed. In a "must issue" state, the reason for the review of your medical records is only to determine what, if any pre-existing conditions are present, because the insurance company can deny paying claims for those conditions (just as a car insurance company will deny paying a claim for damage to a vehicle that occurred prior to the effective date on the policy). However, reading even more into the fine print, in a "must issue" state like NJ, if you have never had a gap in health insurance coverage longer than 30 days, then the health insurance company you are applying for a policy with, must cover any and all pre-existing conditions. Furthermore, the time frame is extended to 60 days for Federally eligible individuals (more info on those guidelines can be obtained from the state or the ins company). All that is needed in these cases to avoid the pre-existing condition clause, is to provide a letter from your previous insurance carrier which certifies that your effective and termination dates of your policy.

The details by which you can be approved and denied for health insurance vary on a state by state basis, so in this particular conversation, no one can make an absolute statement about the OP's future possibility of obtaining coverage.

You hear about this issue of steroid users not admitting things to their doctor because it will effect their health insurance all the time, but most of the time it is just people on these forums parroting what other members have said, with no real factual basis to back it up.

Health insurance companies are most often looking for pre-existing CONDITIONS. That means, legitimate medical conditions which could cost hundreds of thousands of dollars in claims. Previous myocardial infarction's, cancer, rheumatoid arthritis, Chron's disease, etc. Diagnosable conditions. Not to say that drug addiction is not a legitimate medical condition, it is, although health insurance companies certainly do not treat it as such in their coverage, much the same as they treat mental health reimbursements (sometimes limited to 30 mental health visits per year, etc, and so forth). Using drugs, like anabolic steroids, would fall somewhere in the category like acknowledging that you smoke cigarettes, drink alcohol, or have a past history of using illegal drugs. It is a risk factor that, depending on your state, may be accounted for in your premiums, however it is not a "condition."


I think the most important thing for the OP to consider is that his health at this moment in time is what is important. Not disclosing this information to your doctor will impede his ability to give you a proper diagnosis, and that means it could potentially effect your quality of life, for the REST of your life, and then whether or not you can obtain affordable coverage will be rather inconsequential at that point, wont it?

OP I see you as having two options in this case. Cease using the exogenous hormones, postpone the testing long enough for your levels to return to baseline, and then go through with the testing without admitting to your AAS use. The second option, is to see or speak with your doctor again, and ask him "Can I disclose some things to you that I think would be important in your treatment of my case, but which I would not like written in my medical records for future insurance purposes?" If he says yes, you can be fairly confident he will be discreet with you, and not write it down, and at that point you should definitely tell him and go from there. If he says no, then revert to option one. Simple as that bro. Good luck, and people, stop copy/pasting information if you "aren't sure" of the accuracy of the statements being made in it. That is half the problem with the god damn boards.