Reply to Gyno ran STD tests insurance won’t cover

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[quote=Anonymous][quote=Anonymous]Annual exam/PAP. Doctor asks if I want STD testing. I say sure, why not. I’ve had this done as an add-on to annual exams before and never been changed a dime, as insurance covers the tests as preventative. Stupidly, I did not ask which specific tests; and she did not itemize.

Imagine my surprise when I receive results for a panel testing everything including trich and HSV 1/2. Unsurprisingly, I am being billed by insurance for those specific tests because they are not considered “preventative” STD screening. The normal stuff (HIV, chlamydia, etc.) is of course covered.

Trich and HSV 1/2 have never been part of a standard STD panel in all of my years of going to the gyno. In fact, it is specifically recommended by the CDC NOT to run these tests without symptoms, so I am not surprised my insurance isn’t covering them.

Am I just screwed? I’ve called and talked to the practice billing department and office manager, who said that is the standard panel since I consented to STD testing, and they are not responsible for what insurance does or does not cover. She even said that no one else seems to have a problem with this (highly doubt it, as I have a very standard BCBS PPO). My insurance company says they will not cover these tests because they are not considered preventative care under the ACA.

I will not go to this practice any more over this, obviously, but do I have any other recourse here? It’s not the money, it’s the principle of the practice wasting my (and insurance) resources on medically unnecessary testing. It was a money grab, pure and simple. [/quote]

Yeah pay the bill. You consented. [/quote]

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