^^This is not entirely accurate. 2 points;
1. when you say insurance tests "LOOK FOR prescription meds in the blood" I'm not even sure if that's true, but even if it is they probably look for controlled substances... such as medical opiates/barbiturates like vicodin/oxycontin/oxycodone/percocet etc... those are pain killers, and in addition to being prescribed medications, are also under the controlled substances act
2. It is NOT Illegal in a lot of states to take a prescription medication without a prescription from a doctor (unless it's also a controlled substance), this is true for my state of NC because I looked it up. Also I'm pretty sure no one tests for SERMs, they're not debilitating substances, and they're not controlled, so no one's really going to care.