So. We went to see a genetic counselor, who recommended some chromosomal tests be run for both of us.
Since I was the only one who had received prior authorization, we decided to just run the tests for me first. If everything comes back clean, we’ll get authorization for him.
They took the blood samples at the office and said they’d call once all the results were in.
Then I got home and checked with insurance. Out-of-network labs aren’t covered except by prior authorization. This lab isn’t in-network, so we’ll pay $1,000. Oh, plus whatever the 3 additional tests (Cystic Fibrosis, etc) would cost.
According to the CIGNA employee, in-network lab tests are $0.
I called the counselor to start the prior authorization process. He said I’d have to go through my OB’s office. But, bless his honest soul, he also said that the OB could probably run the test and use the in-network lab.
I checked with the OB’s lab person. She needed to know which test, which meant another call to the counselor. (Bless his honest, patient soul.) I called the lab person, and it turns out that she can do it herself.
A special tube has to be ordered, but then we’ll be good to go.
Yeah, I wish we’d just put it all off until we got home. In addition to all the back-and-forth, I was needlessly bloodletted. And they had to use the side of my wrist. Youch.
But better all this hassle (and blood) than an avoidable $1,000 in medical bills.
We’re not out of the woods yet, of course. If we want to run the specialty tests, we’ll probably have to go through the hurdles of prior authorization again. And we still have to get Tim set up with a test. Not sure who he’ll need to go through.
But for now, I’m just going to rest on my saved-$1,000 laurels. And be really glad that I called insurance today instead of putting it off.