Re: Vitamin D again testing cost and insurance

January 23, 2011

every insurance is different !!!!!!! even " medicare " is NOT universal. depends

on your plan, what ARE you paying for.... you have to read your policy,

preferably before you buy it, but one can in some cases upgrade. OR since

it's the beginning of the year, you may have a deductible to overcome first and

then it will kick in. DO NOT listen to desk jockeys at doctors offices. they

do not know YOUR policy. they just want to be paid. call your insurance

companies and ask WHY or WHEN. OR it could be in this case that a 'vitamin'

test is not considered in the acceptable area of treatment for 'oncology'....

the diagnosis that is written will determine if something is paid for. However,

almost any doctor who is willing can help you once you find out why the

insurance company is denying payment, he may need to write or call in an

exception.

Also every state is different in their laws and regulations as to what an

insurance company MUST pay for. Example,,, CA requires that insurance companies

pay for all drugs administered as part of a drug trial. one other state, but

can't recall which. I believe someone posted a site that lists that

information. Each state has an insurance regulatory agency, you can call and

ask for a review of any bill... same with medicare, they have a 24/7 hot line

too. (national) 800 331 7787... this is for cases where you must have

treatment immediately and it's being denied, or if you suspect fraud. For any

insurance, private, group etc, each part of your coverage will have a different

department, ie, hospital, doctor and medication RX.

Vitamin D tests are NOT expensive, overall, compared to many blood tests. well

worth the cost in my opinion. If you are fine with waiting till you can get a

test paid for then it may take longer to get your levels up to par.

be well, beth fillman

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