Reply to Gyno ran STD tests insurance won’t cover

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[quote=Anonymous][quote=Anonymous]Something similar happened to me recently. [b]Dermatologist in network sent my sample to an out of network lab = I had to pay out of pocket. [/b]In the future [b]I could ask derm to send to an in network lab, but I doubt the practice is going to send samples to the many different locations covered by all their patients.[/b] They're going to use the lab they use.[/quote]

Unless you have some
weird insurance your labs are covered at Labcorp and/or Quest. Every doctor's office sends samples to those labs, or you can ask the doctor to give you a written order and go to Labcorp or Quest and get the sample done there.

I fo not understand the fatalist vibe on this thread. You are consumers. You wouldn't walk into Target and buy a TV without asking about price and specs. I had cancer surgery last year and I made sure every doctor was in network, all the pathology was in network, asked the genetics testing how much they charged, and asked my oncologist if my hormone therapy was generic or how much would it cost.

It's not that hard (but it is time consuming), and I refuse to be embarrassed about asking about price. Doctors don't even know how much the meds they're prescribing cost until you ask. I've looked up Rx prices while the doc is writing the Rx and said - No that's too expensive, what else can you Rx.

Medicine shouldn't work this way, but it does and so I'm not going to be the financial victim while I'm sick. Doctors and insurers play the "out of network" game, so I'm gonna ask every time "are you in network" or I'm gonna change the consent form to read "in network doctors only".

Unless you come in unconscious, everyone should be asking these questions - maybe doctors will get tired enough of it to support universal health care. [/quote]

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