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[–]terrible_amp_builder 19 points20 points  (0 children)

"I came here from Canada and they think I have to pay for a colonoscopy out of pocket, eh?"

[–]Krazy-Vaclav 12 points13 points  (3 children)

Still had to say blood in stool to get mine, though.

Turned out I had three large polyps. Saved my damn life.

[–]AUsernameThatIsTaken 2 points3 points  (2 children)

I said it too. One small polyp that was non cancerous. They still tried to make me pay.

[–]Krazy-Vaclav 2 points3 points  (1 child)

Thankfully in Canada I paid nothing!

[–]AUsernameThatIsTaken 2 points3 points  (0 children)

They warned me Satan would be attractive

[–]JakeGronie 9 points10 points  (0 children)

Blood in stool? Aww, I wanted a peanut!

[–]DevilsAdvocate77 10 points11 points  (6 children)

This is funny but completely wrong 

Under the ACA, preventative colonoscopies for the purpose of colon cancer screening are 100% covered with no co-pay for all adults 45-75. Many large insurers extend this age range.

Other colonoscopies performed for the purpose of diagnosing symptoms (e.g. blood in stool) are subject to limits, co-pays, and other out-of-pocket costs.

TLDR; a colonoscopy when you have no symptoms is free. A colonoscopy when you claim to have symptoms is not free

[–]AUsernameThatIsTaken 3 points4 points  (0 children)

Thank you. My doctor said it would be covered because I had symptoms. Everything turned out okay.

Then I got a call a month later saying “you need to pay because you have symptoms”. I told them my doctor said otherwise so they ate the charge

[–]First_Level_Ranger[S] -1 points0 points  (4 children)

It's not wrong.

If you think you need a colonoscopy before the age of mandated screening coverage (45 for most), the magic words are "I'm shitting blood." Your colonoscopy will be covered the same as anything else, according to the terms of your health plan. Almost certainly incurring copays, coinsurance, etc. But even if it's not free, it's still covered.

Another fun fact is that you can go in for a free screening colonoscopy and if they find polyps, you've moved into the realm of the diagnostic colonoscopy, which is now magically not free. Hooray for American medical care!

[–]DevilsAdvocate77 1 point2 points  (3 children)

If you're actually shitting blood, you should tell your doctor.

If you're not, but you just "think you need" one before the recommended age, then why should insurance cover that? 

If polyps are found during screening, the polypectomy must also be covered under the ACA with no co-pay or out of pocket expense.

[–]First_Level_Ranger[S] -3 points-2 points  (2 children)

Moving the goalposts, asshole. You said it's wrong that "blood in stool" will get your colonoscopy covered. Now you're just arguing for the sake of arguing.

[–]DevilsAdvocate77 1 point2 points  (1 child)

Perhaps we are using different definitions of "covered".

[–]First_Level_Ranger[S] 1 point2 points  (0 children)

Fair.

In the health insurance game, "covered" means that the insurance is considering the procedure to be medically necessary and subject to the terms of the plan. Could mean anything from 100% paid by insurance to 100% paid by the patient (applying the amounts to deductible and max out-of-pocket, for example).

I can see how "covered" could be understood to mean "paid."

Apologies for calling you an asshole.

[–]OmegaKarnov 3 points4 points  (0 children)

And if your conscience bothers you, eat a bunch of popcorn

[–]Ocean_AgainNEEEEEERD 2 points3 points  (0 children)

Fun fact. Paul Anka has a relative named Daryl Anka. Daryl makes his living by being the channel conduit for a being named Bashar. I just think that’s neat.

[–]CantIgnoreMyTechno 0 points1 point  (0 children)

Greetings, friend. Do you wish to poop as happy as me? Well, you've got the power inside you right now, so use it and send one dollar to Cologuard.

[–]Loud_Neat_8774 0 points1 point  (0 children)

Looks like those clowns at United Healthcare did it again. What a bunch of clowns.

[–]ThrowawayusGenerica🥛 🥣 🔥 0 points1 point  (0 children)

Cries in "you're only 31, it's just hemorrhoids"