Blood testing, can it be done anonymously as not to affect insurance? +price???

[tempest2003]

hey all, how do you get your bloodwork done and not have it reported to your medical company so that effects your rates etc. can it be done anonymously? What is te best way to go about this? also what will be the average price for these tests? Im in The NW US

 

[tempest2003]

^^ no one know about this?

 

[Big_Joe]

You can try direct labs I haven't used them yet, but I will soon. I suspect that you don't need to worry about them telling your insurance company anything.

 

[BigCracker]

Just make sure you already have a excellent health insurance plan before you ever get bloodwork done, get a physical, or have something that's wrong w/ you checked out. If for some reason you require treatment, and you don't have coverage your condition will be considered "pre existing" and you'll really be a$$ed out.

To answer your question-Try finding an independent lab that doesn't require ID or CC billing-and use a false name just to be safe.

 

[CO B-man]

You do not have to report anything to your insurance company if you are paying out of pocket. If you are asking if you can get it done so your insurance company pays for it that is a different story.

 

[jagerbombme]

do you guys pay for your own insurance. im union and i don't think there's any fluctuation in my coverage no matter what. i dont' think they can discriminate and it's really none of they're buisness what i do on my own time. i pay for insurance, they pay the bills, that's how it works. its a flat rate for all employees anyway. anyone have any experience with this?

 

[tempest2003]

im willing to pay for it all out of pockett, of course i dont want my insurance company knowing i am almost dead inside, well according to blood tests if i was living a normal life. so what are average costs? thanks!

 

[Ulter]

http://www.health-tests-direct.com/

They take credit cards and they don't report to the MIB.

NO, that's not Men In Black. Medical Information Bureau is what insurance companies use to check on your medical history.

 

[CO B-man]

Ulter you are the All knowing! I am not worthy of being on a same thread as you!! j/k That sounds like the best bet I did not know there were places out there that did not report your health to the MIB. That solves your pre-existing condition issue for the most part.

 

[tempest2003]

okay so now which tests are most important for us? and how often should we be testing ourselfs?

 

[BigCracker]

http://www.health-tests-direct.com/

They take credit cards and they don't report to the MIB.

NO, that's not Men In Black. Medical Information Bureau is what insurance companies use to check on your medical history.

If you ever had a claim and your insurance co's fraud dept decided to do some investigating and found some med test bill on your cc card wouldn't that flag you for further investigation? and possibly get you chasrged w/ ins. fraud?

 

[maxpain]

If you ever had a claim and your insurance co's fraud dept decided to do some investigating and found some med test bill on your cc card wouldn't that flag you for further investigation? and possibly get you chasrged w/ ins. fraud?

Fraud is usually commited by doctors and medical institutions not people. It's where they bill for something that is not wrong with you or they put in a little extra on the bill.

Getting a test done and paying for it is not fraud. Hell, that's just less your insurance company will have to pay.

 

[maxpain]

Just make sure you already have a excellent health insurance plan before you ever get bloodwork done, get a physical, or have something that's wrong w/ you checked out. If for some reason you require treatment, and you don't have coverage your condition will be considered "pre existing" and you'll really be a$$ed out.

Not so. If you get a physical and they find something wrong with you. It's NOT considered pre-existing condition. Pre-existing condition is something that you have been medically treated for and is on a doctors record.

 

[Woody]

I've used directlabs.com about half a dozen times. I get results e-mailed to me about 1-2 days after they draw the blood with a hard copy in the mail. You get the blood drawn at Lab Corp locations who also do the testing. Prices are low. The Wellness Check is $89 for a pretty complete blood profile with CBC, lipid panel, thyroid, PSA, etc. (which is much lower than the other lab mentioned above) They also offer testosterone free and total, IGF-1, and a jillion other tests. And they don't report it to the MIB.

 

[CO B-man]

If you ever had a claim and your insurance co's fraud dept decided to do some investigating and found some med test bill on your cc card wouldn't that flag you for further investigation? and possibly get you chasrged w/ ins. fraud?

That is my question too and the reason I stated should cover your pre-existing condition for the most part. Seems like if they tried hard like most insurance companies will do when it comes to them actually having to foot any kind of cash that they might be able to dig something up. You can always say you forgot nothing illegal about a bad memory (Worked for Reagan and the Iran contra hearing although later it was determined he probably really did forget - with alzhiemers poor Oli north taking that fall) Anyway I have a long insurance story and a bitter taste in my mouth with my ex-wife pre-cancer a spider bite not being reported and them dumping her bacause of it. I have absolutely NO love for any insurance company and/or the IRS so if it is possible to screw either one in any way I say all the power too you'all!! Woe sorry went off on a tangent. I am not still bitter

 

[BigCracker]

Not so. If you get a physical and they find something wrong with you. It's NOT considered pre-existing condition. Pre-existing condition is something that you have been medically treated for and is on a doctors record.

Maybe it's different in your state, by my good friends sell health insurance and they say if you are diagnosed with a condition w/o health insurance coverage, you're fucked. They say you should get health insurance first before you see any Dr about complications you may be having otherwise you won't be able to get coverage if they find something wrong with you.

 

[maxpain]

Maybe it's different in your state, by my good friends sell health insurance and they say if you are diagnosed with a condition w/o health insurance coverage, you're fucked. They say you should get health insurance first before you see any Dr about complications you may be having otherwise you won't be able to get coverage if they find something wrong with you.

That's true. Without insurance you are fucked. Not forever but a little while. I miss read your post apparently. I thought you were talking about if he went on his own and did the test and then tried to go to the doc it would be preexisting.

On the pre-existing. Thats only for a little while. If you get insurance after the fact. There is a period that they won't cover you're preexisting condition. But after a time (whatever your policy is or the companies policy is) you will then be covered for that condition.

 

[BigCracker]

That's true. Without insurance you are fucked. Not forever but a little while. I miss read your post apparently. I thought you were talking about if he went on his own and did the test and then tried to go to the doc it would be preexisting.

On the pre-existing. Thats only for a little while. If you get insurance after the fact. There is a period that they won't cover you're preexisting condition. But after a time (whatever your policy is or the companies policy is) you will then be covered for that condition.

I also heard if you're ever dignosed w/ depression or bipolar disorder w/o insurance coverage you'll never be able to get coverage. A pretty big price to pay for a prozac/paxil rx.

 

[dsh89]

You can get vblood drawn at a lab w/o a doctor's order though. If you go through lab corp to whatever endsite you are using, the only people Labcorp reports to are where the results are to be sent. Unless it is governed by federal law (CDC, Health Dept etc). If people are saying that directlabs.com is good, that may be the way to go. There are Labcorps all over the fucking place.

 

[Bruce]

yes cracker is right, do not go and get it without insurance for sure. if you don't mind paying out of pocket go to a health center at a local university and just ask for bloodwork. or do what ulter suggests.

 

[BigCracker]

Never underestimate an insurance company's desire to get out of paying a claim.