Submitted by DesignerAccount t3_10q3wt5 in personalfinance

I went for a yearly full body/check up visit and blood exams were part of it. Nothing unexpected, until I got the blood exams lab bill: ~$1,000. This is way more than last year, when I paid ~$160.

After looking into it, the only difference was the specific lab doing the exams. My doctor's practice seems to be using two, and last year they used the other one. This is the only difference I can find.

Called my insurance and everything is in plan, and their prices kicked in and some coverage, but I'm still left with a hefty bill. It's true I'm on a high deductible plan, but this is the same as last year, so nothing changed except for the lab doing the analysis. And of course I was not aware of the price ahead of time, no one told me how much this would cost. I also had no reason to believe anything would change compared to last year.

I'm in NYC and, for what is worth, my Dr just screams snake oil salesman to me. He's a good Dr, to be sure, but always tries to push a test here, another test there. Even to discuss blood exams I need to schedule an appointment, where my wife will get a text from her Dr giving her a short rundown of the results. My gut feeling is that the Dr knows full well the prices and just pushes the expensive lab onto unsuspecting patients to make an extra buck.

Anything I can do to avoid the rich people lab bill?

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Comments

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kveggie1 t1_j6ntr7y wrote

Probably find a new doctor.

Check the lab cost and insurance coverage before you go there.

Also check your insurance EOB.

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shadow_chance t1_j6oh9ev wrote

At this point you owe the bill. In the future you need to reject tests you don't want to pay for.

Were there 1 or 2 tests that were just way more at the other lab?

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DesignerAccount OP t1_j6ok49x wrote

Not really, it was pretty much across the board. Every test was more expensive than the first lab. And this was all standard tests, nothing special.

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Account_Overdrawn t1_j6nntr5 wrote

You can request a hardship withdrawal for medical expenses from your 401k. Just learned this

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AskingAndQuestioning t1_j6nqm9f wrote

That’s not at all what they asked in any sense..

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Account_Overdrawn t1_j6pb879 wrote

Sorry I tried to help

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AskingAndQuestioning t1_j6pbjpy wrote

While helpful information for people that don’t know. You answered nothing about what OP asked, I didn’t mean to shit on you with my statement, as it is helpful information, just not at all in this case. I do apologize for being crass.

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