Private insurance will not cover blood work

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Blue Cross Blue Shield Alabama. Went in for my annual exam and blood pressure was high. Dr ordered 5 blood tests to see if the high blood pressure was caused by an underlying condition, since I’m only 30 and relatively healthy (not overweight, no family history of problems). I made sure the lab I went to was in-network.

Got my claim back today that insurance will only be covering 1 of the 5 tests, leaving me with a $500 bill. They said the tests were “investigational” in nature and they don’t cover those? So I’m not covered for finding out if I have a problem, only after I’ve been diagnosed with a problem?

Tests run: A1c – not covered unless I have already been diagnosed with diabetes

CBC – I thought was a basic test covered with an annual, but they won’t cover it unless I am pregnant

BMP – not covered

Thyroid- not covered

Lipid – WAS covered, but their brochure says would only be covered for patients over 45?

Can the Dr recode these somehow to be covered? Or could I negotiate with the lab? Options?

submitted by /u/limeywhimey
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Blue Cross Blue Shield Alabama. Went in for my annual exam and blood pressure was high. Dr ordered 5 blood tests to see if the high blood pressure was caused by an underlying condition, since I’m only 30 and relatively healthy (not overweight, no family history of problems). I made sure the lab I went to was in-network. Got my claim back today that insurance will only be covering 1 of the 5 tests, leaving me with a $500 bill. They said the tests were “investigational” in nature and they don’t cover those? So I’m not covered for finding out if I have a problem, only after I’ve been diagnosed with a problem? Tests run: A1c – not covered unless I have already been diagnosed with diabetes CBC – I thought was a basic test covered with an annual, but they won’t cover it unless I am pregnant BMP – not covered Thyroid- not covered Lipid – WAS covered, but their brochure says would only be covered for patients over 45? Can the Dr recode these somehow to be covered? Or could I negotiate with the lab? Options?
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