Forgive me, healthcare is highly confusing to me at this point in my life. I'm 24 and have only been independently enrolled in a healthcare plan for 3 years. I know the basic terminology, but I am always perplexed when receiving letters like what I describe below..
I visited the dermatologist in December 2022 for my first annual full-body mole exam, and my provider spotted one on my bicep that concerned her. She gave me two options - 1, the ol' scoop it out method, or 2, a non-invasive sticker test (I believe it's called DermTech). Of course, I went with the latter. I can’t recall whether or not my provider clued me into the potential of this decision affecting me financially.
Cut to May this year (2023) and I receive a letter from my insurance provider that the test was not covered at all by my insurance. There was no mention of the cost in that initial letter, and honestly, I had no idea what to do with all that information at the time. But figured if I owed anything I'd get a small bill eventually. No big.
Well, I received another letter this week saying that the decision has been upheld (I never did anything to appeal? but whatever) and I now owe DermTech labs $1,300. I don't know what to do. I can technically afford it, but it would take a huge chunk out of my savings. Is there any way to dispute this, or duke it out with the dermatologic office? Or do I just need to cough up? What are the consequences of ignoring this again? Seems dire.
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