I am up front with my doc and Ins companies. Doc is fine with it, if your doc spazzes out about it you need to find a different doc. Mine is a female and very opinionated but also realises she is not the boss of me .She stated once about she does not care if you use heroin but she needs to know so she can have a complete picture . If you lie to Ins then they will try and F you when its time to pay.