Casp wrote:
Intake was $175 and I have been told that the full-day testing would be ~$1,500-$1,800. During intake I was told that because I have insurance (but haven't decided whether to file or self-pay), they *may* be willing to give me the insurance rates rather than the self pay rate. Kinda blew me away as the insurance rates are way lower than self pay - shouldn't that be the opposite?
In the US, insurance companies make doctors accept a percentage of "usual and customary" charges. This only drives up the cost of health care because if a doctor is compelled to accept 1/3 of U&C and needs $50 to cover the cost of running his practice on a per-visit basis, then he has to raise his standard rate to $150 to get that $50 from the insurance company.
This is why some people either look for a doctor who does not accept insurance (and can set his own rates) or find a way to pay "under the table" so an audit by the insurance company won't see that he'll do the work for less than he says he'd charge a non-insured for the service.
Yes, it's messed up. Insurance should pay 100% of what is deemed to be a fair cost for the services rendered considering the costs involved in operating a practice, not just hack thinks down to a percentage to create the illusion of a "discount."