Hey guys, I am wanting to get the tests that are outlined one the site done and post up the results here. I just have a couple logistical questions maybe you can advise me on to help me achieve that.
I’m uninsured, 30 yr old male, no other real health problems. Being that I want to have at the very minimum, the recommended “short” list done, but would definitely prefer to have the whole panel done, and have absolutely no clue as to what the expense would be, I’ve got a couple questions…
I am already actually considering purchasing health insurance anyway, and I’m thinking if it might help cover some of these costs, I might as well. If I picked up a PPO health plan/ 5k deductible, would that help me? Granted, I probably wouldn’t meet the deductible, but do the insurance companies actually do that whole pre-negotiated rate thing, or is that just a crock of shit? For example, even though I would have to pay out-of-pocket for the lab work because I haven’t met the deductible, would the lab work actually cost me less though because the insurance company has negotiated a lower rate, which I would be entitled to as a member? This is a hard question to spell out properly, hope you understand what I’m saying…
Because what the insurance agent told me on the phone is that even if I needed lab work done but haven’t met the deductible, it would be 90% cheaper if I had the insurance. Another example he gave was if I ever needed an MRI, which could cost $2-3k, they have a negotiated rate where it would only cost $470.
I REALLY want to have these tests done, more so for your review than my doctor even. I’m just trying to figure out how I can possibly have it done. I previously have talked to him about Testosterone and Thyroid lab work and he agreed to order that much anyway…
But, with a PPO I wouldn’t need a PCP referral to go see a specialist (such as an endocrinologist), that might be able to work with me further on this.
I would very much appreciate if anyone has any tips for me here, Please!