Mulligan
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- May 3, 2009
- Messages
- 9,343
I turned 50 so that is the time for this procedure. I checked with my insurance carrier today on this as I have a $5500 deductible. Having really never used my insurance before, let me tell you the whole process is a land mine trap of "gotcha's". First of all they say it's "free". But you also have to have a consultation which is not free. Then if any polyps are found and removed it is instantly changed to a procedure and I will have to pay for the entire procedure. Of course they offer no estimate for me on this. So I look to the area for approximate costs and they can run easily over $3000 -$5000 plus the consulting fee, plus who knows if I get screwed on the anesthesiologist who may be out of network also.
I have looked on the internet and have located a colonoscopy center that charges a $950 flat rate for procedure which covers everything including polyp removal. If any are needed to be sent to pathology lab it will be a flat $150 fee also. I am considering doing this as I know up front what I am paying and won't get screwed by the land mines of physician referral, out of network people, pathology labs, consultation fees, unknown cost at location I choose, etc. Curious what others may think about my possible choice to go "on my own" with this at a fixed reasonable cost instead of risking getting poked in the rear financially after already being poked in the rear. Plus my yearly deductible expires in less than 3 months, so if something was bad, I would be facing a new deductible again quickly.
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I have looked on the internet and have located a colonoscopy center that charges a $950 flat rate for procedure which covers everything including polyp removal. If any are needed to be sent to pathology lab it will be a flat $150 fee also. I am considering doing this as I know up front what I am paying and won't get screwed by the land mines of physician referral, out of network people, pathology labs, consultation fees, unknown cost at location I choose, etc. Curious what others may think about my possible choice to go "on my own" with this at a fixed reasonable cost instead of risking getting poked in the rear financially after already being poked in the rear. Plus my yearly deductible expires in less than 3 months, so if something was bad, I would be facing a new deductible again quickly.
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