Hey guys, I’ve had chronic illness for about a decade. For a long time I just got tests here and there with no specific findings. Recently my symptoms became much worse and I found myself in the ER repeatedly.
My GP said it would be good to do an endoscopy since I’ve never had one. GI agreed but said it would be to rule out things like celiac or cancer, and didn’t seem to think my issues likely stemmed from my GI tract.
Insurance “approved” the upper and lower endoscopy with Stanford. I called them today and asked what it would cost with my insurance coverage. They said nothing, as I’ve reached my max out of pocket for the year UNLESS my insurance deems it not medically necessary, in which case it will be 11k.
Apparently approved doesn’t mean medically necessary. Could still get denied.
Does this mean if they don’t find anything, I will be charged 11k? Should I cancel it? Any advice?
Cheers
submitted by /u/RenfieldOnRealityTv
[link] [comments]
Hey guys, I’ve had chronic illness for about a decade. For a long time I just got tests here and there with no specific findings. Recently my symptoms became much worse and I found myself in the ER repeatedly. My GP said it would be good to do an endoscopy since I’ve never had one. GI agreed but said it would be to rule out things like celiac or cancer, and didn’t seem to think my issues likely stemmed from my GI tract. Insurance “approved” the upper and lower endoscopy with Stanford. I called them today and asked what it would cost with my insurance coverage. They said nothing, as I’ve reached my max out of pocket for the year UNLESS my insurance deems it not medically necessary, in which case it will be 11k. Apparently approved doesn’t mean medically necessary. Could still get denied. Does this mean if they don’t find anything, I will be charged 11k? Should I cancel it? Any advice? Cheers
submitted by /u/RenfieldOnRealityTv [link] [comments]Read Morer/HealthInsurance