The Meeting Place for Survivors: Re: Spending Money

When they say preventive care is no charge believe me it's very MISLEADING. I have to pay out $650.00 for my mammogram & ultrasound. That's what it was last year, so it will most likely be even more than that this year. If something is considered DIAGNOSTIC it's far from free. If someone gets a colonoscopy & one or more polyps are found, which that's the reason someone has one, then its $1200.00 for each polyp removed, then the person is charged for the facility, the anethesia (I can't spell that word) & all kinds of things. This has prevented me from getting the colonoscopy I really need. When ANYTHING is found to be wrong then it's considered DIAGNOSTIC. I have talked with people on the internet where they received bills for up to $12,000.00 for their so called free colonoscopy from polyps being found, which 50% have one or more polyps. I'm not kidding you. The deductible is also misleading, mine is $6700.00 per year & that's a lot; however, when I broke my wrist last year I received numerous bills from Drs. who were around my operating table I never even met or could choose. They all claimed to be out of network with my insurance,so I had to pay FULL PRICE & that did not go towards my deductible. If someone has a physical & something is found to be wrong, which that's why you would have a physical, then the patient has to pay for all the test or treatment on their own because then it turns into DIAGNOSTIC, unless of course if they're on medicaid which I'm not. I do not qualify for that & have to pay out $600.00 per month for nothing. I receive no care whatsoever for paying that. Thank you so much for trying to help, like I said it's very MISLEADING, I thought it sounded good too hearing all the FREE stuff. A regular mammogram would be free, but in my case it won't be since it's DIAGNOSTIC. I don't like having to go by what insurance companies request just to get a mammogram, but I have no other choice, this country wants the insurance companies to make all the rules. I have to miss work to go to TWO different Drs. & fear being fired for missing work. My insurance company tried to charge me for my bone scan last year, but luckily I did get them to remove the charge for that because it's was the 1st and only one I had. If I have any blood work done, which I also need, it would cost me to go the Dr. then pay out an additional $500.00 to have the blood work done, then back to the Dr. to pay again to get the results. Therefore, there's more medical things I do really need but have to go without. Hopefully I will make it to my 65th birthday to finally get medicare. There's a world of difference between that & my individual Obamacare plan. There's very few available to choose from & that's the cheapest I can get. When I travel to another state to visit my grandchildren I am not insured in another state. Medicare is accepted nationwide. I just hope they tell me they don't see anything wrong on my mammogram & ultrasound, that's the most important thing. I get PTSD each year when I go through it; that's much more stressful than the money I'm out.