I have “ok” insurance but the last few years they’ve become worse about covering things. I had a mammogram because they are supposed to cover a woman’s wellness exam every year which includes a mammogram. The clinic opted to do a 2D version.
They called me after and said they thought they saw something and wanted to do a 3D version. I called insurance and they said they would NOT cover a 3D version since it was not classified as a “diagnostic” mammogram, but they would have covered 3D as the first version, which is what the clinic should have done in the first place but they didn’t because insurance usually requires 2D first.
So then my doctor, angry they won’t cover the mammogram orders an MRI as a way around the mammogram. Insurance is even worse about covering MRI. They say I have to meet a $1,500 deductible first.
So I tell the clinic I’ll just wait a year until my next well woman’s exam. Insurance says ANY mammogram from here on out (doesn’t matter how many years I wait) will always be considered “diagnostic” since they saw something weird on the last one and won’t be covered.
I guess I’ll just sit here and wait to get cancer. 🤷♀️ You would think it would be cost beneficial for the insurance company for me to catch something early rather than have to go through costly life saving measures.
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