Ideal,
I was the same way, until I had to get tested as a requirement when I was pregnant. That was a long two weeks. It was negative, and I've been tested twice since then. All were negative. I'll go with you, if you need some support!!
re: insurance Some companies view HIV as a preexisting condition. Medicines to treat HIV are VERY expensive, so they pass the cost onto the consumer, in this case the policy holder.