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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.

Ask about eye or hearing symptoms specifically. Those get missed because people do not connect blurred vision or ringing to a sexual health diagnosis, and they are exactly the things that would prompt this.

Mine ached for the better part of a week. The nurse had warned me and I still nearly rang about it.

The part nobody warned me about was the smell during the procedure. It is normal and it is not you. Knowing that in advance would have stopped me panicking on the table.

Ask what you can start with and change later. Regimens are adjustable, and the decision today is not a permanent one.

And ask whether every relevant site is being tested each time. Repeat positives at one site while another is never sampled is a pattern that shows up here.