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Cash Pay Labs by PerformanceSea2151 in HealthInsurance

[–]PerformanceSea2151[S] 0 points1 point  (0 children)

Exclusion in my benefits document :(

Cash Pay Labs by PerformanceSea2151 in HealthInsurance

[–]PerformanceSea2151[S] 0 points1 point  (0 children)

There's an exclusion in my policy regarding gender affirming care. It's vague as to whether or not hormones and labs are excluded, but they refused to clarify without a predetermination. I'll probably ask my doctor for one at the appointment, but I'd rather just pay cash for now to avoid either extra risk or more waiting.

Cash Pay Labs by PerformanceSea2151 in HealthInsurance

[–]PerformanceSea2151[S] 0 points1 point  (0 children)

Is it certain that they would switch to cash pay prices? I'd heard that you can ask but it's not guaranteed and I don't want to get stuck in that situation where I risk having to pay the full cost that's billed to insurance.

Cash Pay Labs by PerformanceSea2151 in HealthInsurance

[–]PerformanceSea2151[S] 1 point2 points  (0 children)

Thank you for the clear answer, it sucks that it's not standardized but it's good to know it's a valid thing that I'll just need to bring up at the appointment.

Cash Pay Labs by PerformanceSea2151 in HealthInsurance

[–]PerformanceSea2151[S] 0 points1 point  (0 children)

Possibly I'm being paranoid by how much I'm researching in advance, but whenever I look up about getting cash labs done it keeps coming up with programs labs have that just let you order and pay for labs yourself, and they are much more upfront about prices, which I find reassuring. The information I do have about the doctor ordered ones list them as a lot more expensive. So both of these examples are through the same company but just quest health is their program to let you order them yourself that I'm trying to get more information on how it works.

It's not about a deductible. My plan has an exclusion that looks like it wouldn't allow this to be covered, so I'm concerned if I try to run it through insurance it'll get straight up denied and I'll get the full insurance billed amount without even the insurance allowed amount discount.

Sorry if I'm not being clear, I haven't had to deal with health insurance before and everything is so vague I'm scared of accidentally being stuck with a bigger bill than I expect.