I'm not very well aware of how the health system works in the US, but I have a high deductible health insurance that covers 100% of preventative care (including diagnostics) and only covers 80% after deductible for "hospital outpatient".
I went to see a PCP (new patient) to have a lump looked at and have it removed. The NP said it's a cyst and referred me to a dermatology clinic. I also asked for STD test panels and testosterone level checked. I received the results for STD tests, but no testosterone level after 11 days (not even sure if that was correctly ordered seeing it was not in the note from my visit summary).
Today I found out that the insurance will NOT cover the $160 for visiting PCP and will not entirely cover the STD test and charged me $52.
I'm confused about this entire process since the only thing that was done was her taking a look at the lump and referring a clinic. Does this seem correct? What should I be looking for here? I also want to get bloodwork done to check for anemia, but I'm afraid I'll have to pay another $160 just to have that test ordered.
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