(Closed) Insurance not covering my ROUTINE prenatal bloodwork

posted 5 years ago in Pregnancy
Post # 3
1460 posts
Bumble bee
  • Wedding: October 2012

I’m surprised your doctor’s office didn’t know to send your blood to Quest.  They know at my office that I have Aetna and they have to send my samples to Quest.  They also know which radiology offices I can and cannot use.

I guess you need stay on top of things yourself from now on.  They normally put the onus on the patient in these cases.

Post # 4
3175 posts
Sugar bee
  • Wedding: May 2012

That is very odd, it really seems like your doctor should have caught that. I would call labcorp and try to negotiate the price and/or set up a payment plan. They will generally lower the price if you offer to pay it in full (sometimes up to 80%, I have heard). 

Post # 6
3798 posts
Honey bee
  • Wedding: September 2018

I’m with Aetna, they are IMPOSSIBLE.  My sympathies with you.  Sorry I can’t actually help.  I hope it works out.

Post # 7
3886 posts
Honey bee
  • Wedding: September 2011

Do you have a FSA already?  If not, it’s close enough to the end of the year that you might (maybe) be able to delay your bloodwork billing till after the first, and since it’s currently open enrollment period, you can enroll for a 2013 FSA.  I would talk to Aetna and to a tax accountant before going down this road because the tax laws on FSA’s seem to change every year, but it’s worth a shot.  You’d be paying that bill with pre-tax dollars so it would “feel” a lot less painful (a $700 bill paid with pre-tax dollars feels more like a $400-500 bill depending on your tax bracket).  Probably good as a new mom to have a FSA for baby’s first year anyway as there are so many out of pocket, eligible expenses.

Post # 8
12904 posts
Honey Beekeeper
  • Wedding: November 1999

I’m so sorry!  Unfortunately, it’s your responsibility to determine what tests are and aren’t covered prior to treatment.  While your urgent care may have that form, I’ve never been to a place that even mentions it. 

Post # 10
1778 posts
Buzzing bee
  • Wedding: August 2010

I didn’t have this exact problem, but I did have blood tests billed under an “existing condition” rather than pregnancy and I got a $1100 bill.  When the (pretty much) same tests were billed as “pregnancy” I was charged nothing.  Insurances effing suck!  I hope something works out for you.  Shouldn’t Aetna have some kind of coverage for “out of network” ?  Even if it’s only 50% or so, that would help a lot!

Post # 12
10367 posts
Sugar Beekeeper
  • Wedding: September 2010

I bet your doctor and insurance will both tell you that it’s on you to double check whether the blood clinic was covered on your insurance (because it technically is, even though that SUCKS!!!!). I doubt you’ll have much recourse.

Post # 13
752 posts
Busy bee
  • Wedding: October 2011

That really is crazy.  Labcorp is inside of my doctor’s office.  As in they have a labcorp rep stationed there performing all of the work. Then another Labcorp person picks up from them.  Both my OB and Primary Health care doctor have this set up.

I would definitely give your doctor’s office an earful. 

Post # 14
283 posts
Helper bee
  • Wedding: June 2012

Could you maybe resubmit the claim or call them? I had some complications so I was sent to labcore for beta testing then full on pregnancy bloodwork. I had a bill for $400, $900, $ $150 sent to me saying my insurance wouldnt cover them.  I resubmitted the claimed and only ended up paying $30.  It’s so frustrating we are almost penalized for having insurance, when those who don’t work and have Medicaid get everything for free.  No offense to anyone but it is so not fair.  My hubby and image a decent living, but even with insurance, medical bills are outrageous!!

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