DH and I went to see the doc today for a wellness check and to start a relationship with a local doctor in FL. We are 51 and 60 and haven't had any bloodwork done or seen a doc for 15 months. He gave us a list of lab tests and the name of a lab he recommend to self-pay and high deductible patients because their prices are good. The lab is not in our network so there is no contract price and the expense does not apply to our deductible. Quest is in our network.
The list price for all the tests (total of 9 tests and 2 blood draw charges):
Doc's recommended lab list price: $360
Quest list price: $846
Note - The test for Vitamin D levels was the most expensive at $70 for non-network lab and $215 for Quest.
So now the question is whether Quest's contract price is less than the other lab's non-contract price? Call the insurance company to get the answer prior to getting blood drawn? Wrong!!!
I called the insurance company who told me to talk to the network folks who told me to talk to the provider (Quest) who told me to talk to my insurance company. On my second call to the insurance company, I found someone who said said "we can't give out that information over the phone." I was informed Quest would have to submit a pre-determination and then my insurance company would respond to Quest with the contract prices of the tests. Only one big problem.......Quest doesn't do pre-determinations. Quest says I'll know the contract price of the tests when they submit the invoice and it is processed by my insurance company. Great. One of the reasons we have health insurance and pay those lovely monthly premiums is so we can get contract pricing and don't have to pay list price. What is the big secret? I'm the one who ultimately pays the bill!
What a goat rope! Will the Quest contract rates be less than the out-of-network or much more expensive? Apparently there is no way to know this until I have commited myself possibly an $846 bill from Quest. Technically, the contract rate for Quest tests could be the list price. Who knows at this point.
After several hours of back and forth and many phonecalls, we decide to just go ahead and use the out-of-network lab. I have contacted my agent and with his assistance I'm going to try and determine what the cost would have been had I used Quest. I looked back at some EOB's from when I had insurance at my previous employer and the contract price discount was about 80% off the list price. I'm going to be really upset if that is the kind of discount I would have gotten by using Quest and my cost would have been about half what I paid today.
I'm trying to be a good healthcare consumer by shopping for the best price but all I find are obstacles.
The list price for all the tests (total of 9 tests and 2 blood draw charges):
Doc's recommended lab list price: $360
Quest list price: $846
Note - The test for Vitamin D levels was the most expensive at $70 for non-network lab and $215 for Quest.
So now the question is whether Quest's contract price is less than the other lab's non-contract price? Call the insurance company to get the answer prior to getting blood drawn? Wrong!!!
I called the insurance company who told me to talk to the network folks who told me to talk to the provider (Quest) who told me to talk to my insurance company. On my second call to the insurance company, I found someone who said said "we can't give out that information over the phone." I was informed Quest would have to submit a pre-determination and then my insurance company would respond to Quest with the contract prices of the tests. Only one big problem.......Quest doesn't do pre-determinations. Quest says I'll know the contract price of the tests when they submit the invoice and it is processed by my insurance company. Great. One of the reasons we have health insurance and pay those lovely monthly premiums is so we can get contract pricing and don't have to pay list price. What is the big secret? I'm the one who ultimately pays the bill!
What a goat rope! Will the Quest contract rates be less than the out-of-network or much more expensive? Apparently there is no way to know this until I have commited myself possibly an $846 bill from Quest. Technically, the contract rate for Quest tests could be the list price. Who knows at this point.
After several hours of back and forth and many phonecalls, we decide to just go ahead and use the out-of-network lab. I have contacted my agent and with his assistance I'm going to try and determine what the cost would have been had I used Quest. I looked back at some EOB's from when I had insurance at my previous employer and the contract price discount was about 80% off the list price. I'm going to be really upset if that is the kind of discount I would have gotten by using Quest and my cost would have been about half what I paid today.
I'm trying to be a good healthcare consumer by shopping for the best price but all I find are obstacles.