The majority of tests are the cheap kind the NADA, they only check temperature. My method will beat the NADA. If you are dealing witht he expensive tests then yes you are right. But I doubt the insurance companies are going to lay out 600 bucks for the next step up. They use NADA.Problem is, you follow that formula and your urine will test "diluted" and they will know you attempted to influence the test and it will be considered invalid - likely they will insist on a valid urine screen. That is how thorough urinalysis testing is set up - it is designed to pick up adulterated samples either diluted or altered with other chemicals.