Aa
Confused with testing
I posted a while back that my EIA was reactive during a screening for school. My doctor, from the walk-in clinic, did a HCV RNA by PCR that was non-reactive. He told me that I must have had Hep C and been one of the lucky ones to spontaneously resolve it. I was excited and posted the news here.
Since then, I have contacted the health department and was told to have those tests confirmed. They contacted me to let me know that my EIA was reactive with a low signal-to-cut-off ratio, so they have to deem it indeterminate. They are running a RIBA and another PCR test, and I should have the results on Monday.
I also applied for life insurance less than a year ago and asked for a copy of my lab work. My AST was 31 and ALT 54 (high). I am concerned because these doubled from less than one year before that, where my AST and ALT were 18 and 28.
What could all of this mean? Should I get a primary physician and have these liver enzymes rechecked or just wait to hear from the state lab? I am so worried since I am not working and have no health insurance. My husband's employer does not offer group coverage.
TIA,
Lisa
Since then, I have contacted the health department and was told to have those tests confirmed. They contacted me to let me know that my EIA was reactive with a low signal-to-cut-off ratio, so they have to deem it indeterminate. They are running a RIBA and another PCR test, and I should have the results on Monday.
I also applied for life insurance less than a year ago and asked for a copy of my lab work. My AST was 31 and ALT 54 (high). I am concerned because these doubled from less than one year before that, where my AST and ALT were 18 and 28.
What could all of this mean? Should I get a primary physician and have these liver enzymes rechecked or just wait to hear from the state lab? I am so worried since I am not working and have no health insurance. My husband's employer does not offer group coverage.
TIA,
Lisa
high alt results can be due to many conditions, no one can give you an idea of what to look for based on just one number. Make sure you follow up with your doctor so that he/she can do further testing to rule out illnesses that might affect the enzymes.
Thank you and I have already scheduled appt. However it will not be till after the holidays. So I'm kinda freaked out. I travel all over the world and I have nothing that would put me at risk. The weird part to me is why would the Insurance company approve me at all if I had a problem?
Thanks again and I will keep this thread posted.
Thanks again and I will keep this thread posted.
Thank you and I have already scheduled appt. However it will not be till after the holidays. So I'm kinda freaked out. I travel all over the world and I have done nothing that would put me at risk. The weird part to me is why would the Insurance company approve me at all if I had a problem?
Thanks again and I will keep this thread posted.
Thanks again and I will keep this thread posted.
I'm not sure as that is puzzling that the company wouldn't hold off until further testing. That is why I'm wondering if your liver enzymes are only slightly elevated and they don't see need to do extra tests and just put the policy through at a lower coverage. That is a wild guess because I really have no idea and it would be interesting for you to tell us more as you find out. Good Luck and I hope all is clear for you!
What did it show your liver enzymes were? Just to be on safe side,,,I would probably have your dr run a hep,,,,a,b and c just to be sure you don't have. Applying for insurance policies,,,unfortunately is how many do find out about an underlying problems. Please let us know how it turns out.
Hello:
My Corporation took out a large Insurance Policy on me and as part of that I went through a Typical Med Exam. Everything turned out fine but the Insurance Downgraded My Policy due to results associated with a High Enzyme Count in my Liver. Not being knowledgeable in this area I totally freaked out! I went to the Internet to check things out and got more freaked out.....Now I have scheduled an appt. with a Doctor for further Testing but has anybody else had this happen? I'm 44 years old and the Policy was for 4.0m but based on the tests they would only give me 3.6m
I don't understand if it was that severe why would they even insure me? They won't tell me anything as I have to formally send a letter in and that could take 30 days.
Any Ideas or is Pacific Life screwing with me for more profits? or is it a combination?
Need Information and I don't know where to turn to since the holidays are upon us and I can't get into the doctor till afterwards.
Please HELP!
My Corporation took out a large Insurance Policy on me and as part of that I went through a Typical Med Exam. Everything turned out fine but the Insurance Downgraded My Policy due to results associated with a High Enzyme Count in my Liver. Not being knowledgeable in this area I totally freaked out! I went to the Internet to check things out and got more freaked out.....Now I have scheduled an appt. with a Doctor for further Testing but has anybody else had this happen? I'm 44 years old and the Policy was for 4.0m but based on the tests they would only give me 3.6m
I don't understand if it was that severe why would they even insure me? They won't tell me anything as I have to formally send a letter in and that could take 30 days.
Any Ideas or is Pacific Life screwing with me for more profits? or is it a combination?
Need Information and I don't know where to turn to since the holidays are upon us and I can't get into the doctor till afterwards.
Please HELP!
At least youre a "liberated man" and youre helping wifey with the laundry. Points with me. I remember my dad, the only thing he did when he got home from work is tell us to "pipe down" and sit his a$$ on his chair and read the paper. And my mom held down a job too so she was double scre*ed. It was sooo emabarrassing..I had one of those "mean dads" on the block who yelled at my friends for running accross the front lawn. Oh, the mortification.....
Reminds me of a reworking of some Stones songs for the group as it is now, "Hey, You, Get Off Of My Lawn!" "Jumping Jack Flash I've Got Gas, Gas, Gas" "Let's Take A Nap Together"
Ctoan: I forgot your stats? are you having symptoms? just want to see how similar you are to me.
Reminds me of a reworking of some Stones songs for the group as it is now, "Hey, You, Get Off Of My Lawn!" "Jumping Jack Flash I've Got Gas, Gas, Gas" "Let's Take A Nap Together"
Ctoan: I forgot your stats? are you having symptoms? just want to see how similar you are to me.
I have a copy of my lab work that shows where the HIV test was negative, but there is no area for HCV. My policy was approved before I even had the first EIA test run, so I am not misleading or trying to mislead an insurance company. I only even had the screening done because I am entering nursing school and needed to have it done for school.
I have not received my paperwork for my policy yet from my agent, but I was told that it was approved. If my policy was approved and it turns out that I am HCV positive, I should not be made to feel guilty. I applied for this policy and was approved before even knowing that there was ANYTHING abnormal. I asked for a copy of my labs used for the policy application after getting the first positive EIA. I just wanted to compare my liver enzymes to last year's bloodwork.
The company would have no right to cancel my policy even if my results come back positive at this point.
I have not received my paperwork for my policy yet from my agent, but I was told that it was approved. If my policy was approved and it turns out that I am HCV positive, I should not be made to feel guilty. I applied for this policy and was approved before even knowing that there was ANYTHING abnormal. I asked for a copy of my labs used for the policy application after getting the first positive EIA. I just wanted to compare my liver enzymes to last year's bloodwork.
The company would have no right to cancel my policy even if my results come back positive at this point.
I think you misunderstood my whole point. I never implied you misled, but in this business, stuff like that MUST BE stated.
My point was, if your insurance was approved, you would have known. And, HCV might not show up specifically on your results, even if they test you for it.
Like I stated, ALL QUESTIONS ARE AT THE TIME OF THE APP= you are ok. So, the company would not be able to cancel.
I answered a question like this before, and my answer was badly misinterpreted, and I hesitated on answering this one, but my whole intent was to provide you with a greater sense of well-being. I was trying to let you know that if you were HCV positive, you would have known by your insurance results.
My point was, if your insurance was approved, you would have known. And, HCV might not show up specifically on your results, even if they test you for it.
Like I stated, ALL QUESTIONS ARE AT THE TIME OF THE APP= you are ok. So, the company would not be able to cancel.
I answered a question like this before, and my answer was badly misinterpreted, and I hesitated on answering this one, but my whole intent was to provide you with a greater sense of well-being. I was trying to let you know that if you were HCV positive, you would have known by your insurance results.
after re-reading your original post, how long has it been since the app. was taken? Unless there are underwriting snags, or it takes a long time to get your blood drawn, it is normally 4 weeks give or take. Seems like an awfully long time to not have a policy, especially since they are supposed to be delivered in a certain amount of time from approval.
I got my test results today and am confused. If anyone can help me I would appreciate it. My ALT level is 44 and I realize that is not like ten times but I hear I should be concerned.
Underwriting waited forever for my only regular doctor (OB/GYN) to finally release my medical records. Since then, I have had trouble getting my agent to bring my policy over and go over it with me. I spoke with the underwriter of the company, who told me it had been approved. I am just waiting to hear from my agent, which I just did yesterday. I just have to meet up with him to go over it.
I am sorry if I came across as rude. I am just really frustrated right now waiting for my results. I do appreciate your comments.
I am sorry if I came across as rude. I am just really frustrated right now waiting for my results. I do appreciate your comments.
"...and the male gender just popped out for some reason"
My male gender seems to have that problem too :)
I find it best to just put it back and keep on keeping on....
My male gender seems to have that problem too :)
I find it best to just put it back and keep on keeping on....
No prob.....did he say when it was approved?
By the way, if there is something you don't like about the policy, the free look period starts from the time it is delivered. And, I have run into problems myself getting reports from docs. When it has happened (doesn't happen often) I usually keep calling.
By the way, if there is something you don't like about the policy, the free look period starts from the time it is delivered. And, I have run into problems myself getting reports from docs. When it has happened (doesn't happen often) I usually keep calling.
I gave up long ago trying to guess gender by screen names, an exercise in futility if there ever was one. Met a guy the other day who called himself, Sweetdollface, go figure.
"Met a guy the other day who called himself, Sweetdollface"
Oh sh*t! That was you?!?
Oh sh*t! That was you?!?
BTW, I AM A GUY! LOL
Didn't want to add to the confusion.
I can prove it. Women are more creative than men. If I were a woman, I'd have a much better screen name than this one.
Didn't want to add to the confusion.
I can prove it. Women are more creative than men. If I were a woman, I'd have a much better screen name than this one.
Ha Ha Ha Ha, man, I thought I was the only dork sitting at the puter on a Sat night....
Hey girl, how ya doing? Ive seen you pic. so i know your all girl... As for your nic. i just figure you don't need glasses.
LOL!
First, in my state, if you had prior GROUP coverage, and it is being replaced by group coverage, there is no pre-ex.
On life insurance, I have never had the issue of SVR come up, but I remember someone on here saying there was a 5 year period of SVR needed. That might vary too.
On the questions, they might not ask about HCV in particular, but it might be asked as part of a liver disease question, and here is an example: (not from an app., just an example)
"in the past X (5, 10, whatever) years, have you had any.....liver disease.....
If you had it during that window, the answer is yes.
If it asks for the last 5 years, and you have SVR for 6 years, then the answer is no.
It is always best to ask the agent, and listen to the question carefully. Better to be safe than sorry.
First, in my state, if you had prior GROUP coverage, and it is being replaced by group coverage, there is no pre-ex.
On life insurance, I have never had the issue of SVR come up, but I remember someone on here saying there was a 5 year period of SVR needed. That might vary too.
On the questions, they might not ask about HCV in particular, but it might be asked as part of a liver disease question, and here is an example: (not from an app., just an example)
"in the past X (5, 10, whatever) years, have you had any.....liver disease.....
If you had it during that window, the answer is yes.
If it asks for the last 5 years, and you have SVR for 6 years, then the answer is no.
It is always best to ask the agent, and listen to the question carefully. Better to be safe than sorry.
Hey John, not bad, how are you? I almost hesitate to ask, but what does nic mean?
Your screen name, your online id, Hmmmmmmmmmm a non blonde moment are we having???????? LOL
You ever heard of the term "idiot-savant" well, these days I'm more on the idiot side, ha ha ha!
Have an Answer?
You are reading content posted in the Hepatitis C Community
Learn about this treatable virus.
Getting tested for this viral infection.
3 key steps to getting on treatment.
4 steps to getting on therapy.
What you need to know about Hep C drugs.
How the drugs might affect you.
These tips may up your chances of a cure.
A list of national and international resources and hotlines to help connect you to needed health and medical services.
Herpes sores blister, then burst, scab and heal.
Herpes spreads by oral, vaginal and anal sex.
STIs are the most common cause of genital sores.
Condoms are the most effective way to prevent HIV and STDs.
PrEP is used by people with high risk to prevent HIV infection.
