Pay out of pocket for preventative care?
April 25, 2014 8:57 AM Subscribe
Colon Cancer scare in my family. My health insurance won't cover a colonoscopy because I'm too young and have no symptoms. Should I shell out the $1000 - $3000 this could cost me to get checked? Gratuitous YANMD.
posted by ashtabula to opelika to Health & Fitness (26 answers total)
Ok, here's what's stacked against me:
-grandfather died of colon cancer
-dad started having pre-cancerous polyps removed at 44
-3 year younger sister just got a polyp removed (non-cancerous) - that's what triggered family freaking out
-lots of diverticulitis in family
-lots of other random cancer in family
-health insurance won't cover until I'm 50
-Hospital will charge in the $1000 - $3000 range, I suspect I make too much to get any financial assistance
In my favor:
-I'm really healthy otherwise and have no real symptoms of anything
So, what would you suggest? I'm not actively freaking out or anything, but it irks me a bit that I can't get checked until I'm pooping blood. BCBS has flat out told me they will pay zero for the coding of a colonoscopy for family history at my age. Is there any way around this with another procedure or another code (talked to doctor, they have told me they won't change the code but maybe I'm missing something)? Should I just suck it up and pay? Opinions and advice please!