<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />Do
you know how to find affordable lab tests?
Fortunately I have good health insurance. Four
years ago I signed up for a high-deductible health plan for my family in order to
keep our premiums down. My deductible
is $5,200 and as a result, I am getting really good at shopping around for the best
value, negotiating cash prices with providers, calling around to get prices and using
available tools/resources to comparison shop/understand fair prices. The
more money I am able to save on finding affordable health care, the more money I have
to spend on family vacations. That’s
enough incentive for me.
My health insurer has negotiated special deals (discounts)
with providers in my network. When
I use these network providers, I am charged the discounted rate for services. This
carefully guarded rate is difficult to find out until after services are provided
because health insurers keep negotiated prices a secret. That’s
why I encourage consumers to post/share rates they paid for actual services in OutofPocket.com
directory, to share with other consumers. If
insurers and providers will not reveal these prices, consumers should!
I recently had a series of blood tests done that were
required for my upcoming surgery. I realized
if I went to my doctors office to have these blood tests taken, my out-of-pocket costs
would be much higher, so I selected a stand-alone lab testing facility that offers
affordable lab tests. I went online to
find Quest Diagnostics and scheduled my appointment. I
just received my EOB and here’s what I discovered
Prices For My Lab Tests for Comprehensive
Total Quest Labs billed to my insurance plan $
Total discounted by my insurance plan $ 143.78
Amount of my out-of-pocket for my lab tests $ 50.00
If I wasn’t careful, I could have easily ended up paying
a lot more for my lab tests. If I did
not have insurance, I would have negotiated a cash discount with the lab when I scheduled
the service, to make sure I get a fair price. Because
of my cost-effective choices, I saved about $144.
Here are some resources you can use to find affordable
lab tests in your area.
They don't take insurance and you you don't need a Doctor's Rx so that keeps the cost down. The draw center looks like a boutique inside and is very clean and modern. ...and I did not have to wait to be seen.