According to the new insurance reform laws that were recently passed, colonoscopies are considered preventative care and are supposed to be covered for free by health insurance. Well, the insurance ripoff companies have found a loop hole. If the patient (me in my case) has polyps removed, the insurance ripoff companies will not pay for it all.
They say that the procedure must be billed with a routine diagnosis not a medical diagnosis in order to be processed under the wellness benefit". I called the medical center that did the work, and they said that they had to bill it that way. I also see that the ins. Company doesn't pay the doctors for all that they bill for. Either way, the law says that colonoscopies are supposed to free under the insurance reform law and covered by ins. Companies. My health ins. Company is a rip off who won't pay for the procedure and would rather I die!
As it is now, I'm having to borrow almost $500 dollars to pay the medical bills. My doctor recommends a colonoscopy every 5 yrs., but I'll go every 10 yrs. If I can't afford to pay for the bills. I believe in paying my fair share, but the ins. Ripoff companies are in it for the money only! All they care about the money they make! We need single payer health care so that the health ins. Companies will think twice about charging high premiums and hording the money instead of paying what they are supposed to.
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