Reply To: Will this show up on my insurance or my parents plan?

The document you are thinking of is the explanation of benefits, and yes, it usually goes to whoever holds the policy. It is the single most common reason people on a family plan avoid testing.

Two things that usually work. Public sexual health clinics often provide testing free or at low cost and do not bill your insurance at all, so nothing is generated. And in a lot of places there are confidential communication requests, where you ask the insurer in writing to send your statements to you rather than the policyholder.