re: Health Insurance Question

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So you are saying that before you contract a service, you should know exactly what service you are being provided?

What a novel idea.

"I agreed to pay this, but now that you've done the work I don't want to pay it so I'm not"

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The issue is the system. Doc orders lab work during visit. If you ask the Doc (or his office staff) what it will cost, they'll say "Not sure, talk to the lab."

You call the lab in the exam room, lab says "not sure, depends on what the doctor codes the visit as and what your insurance deems necessary with the codes"

So you call the insurance company and give them the codes. Insurance company says "not sure, can't give you a cost until the information is submitted and reviewed."



I will admit they're getting better about these things, but there's still some issues that arise. I've actually found more clarity switching to a HDHP w/ an HSA.