First, I get tested at least once a month, regardless of when I last had sex or when I expect to have sex in the future. I never want to be more than 30 days out from a recent test.
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Next, I always insist on seeing her recent (within the last 15 days) test before I agree to BCD, whether we are going raw dog or not. If she doesn't have a recent test (or isn't willing to share results with me) I offer to take her to my lab and pay for her test. Fortunately, I have never seen an SB's test be anything other than all negative. The need for mutual testing is an absolute deal breaker for me. Beyond the obvious safety issue, there are multiple psychological benefits to this that help the negotiation process. If I value a clean test more than an arrangement, she may tend to feel that I am:
1. Lower risk than some asshole who does not get tested.
2. Mature enough to be a serious Daddy. I don't let easy pussy distract me from safety.
3. Truly concerned for her safety, thereby reinforcing the "Daddy looks out for my best interests" BS concept.
4. Willing to go the extra distance needed to establish trust.
Finally, I hate condoms. If I believed in god, I'd say condoms are his punishment for wanted to fuck every hottie on the planet (if only there was enough time and sugar!). So yes, I require BBBJ and BBFS in all ongoing arrangements, once mutual testing has been done. Note: This may still leave the issue of birth control. I have had more than one SB (2 in my current rotation) who claim non-cost-related issues with birth control (hormone sensitivity, allergies, etc.) and tell me they cannot use the pill, a sponge, a shot, or an implant. Even when I have offered to pay for the medical costs - appointments, treatments, prescriptions. This requires some trade-off thinking on my part: Is she worth it if I have to pull out? Sometimes yes, sometimes, no. Could she be lying just to make sure we use condoms? Sure. But I'll generally see those arrangements fail fast anyway.
Note: if you are partnering with porn stars (Hey, it's LA!), then as a general rule, they are much more receptive to mutual testing (and most actually insist on it) and by extension, going bare. It doesn't hurt that I use the same national Lab service that 80% of the porn industry uses. So reading my test report and knowing it's not a fake or altered document is easy for them.
I am not married and I have full health coverage. But I do not get STD tests at my regular HC provider - they just take too long (versus overnight from my preferred lab) and it's too much hassle to get the actual test results (requires that the doctor make a special request to have results viewable to me, or they just don't post it on my patient web portal). I pay $155 for a full panel at my lab - free from my HC provider. Absolutely worth the extra cash.
As for locations, again, not married and live alone in a house. But I keep several hotel booking apps on my phone if I need a place when more than 60 minutes from home. There are some new apps that specialize in day-rate rooms (maybe 30-60% off full day rates) at 3+ star locations. Check them out.
Life is good.
The Cat