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Post by terrifictom on Jul 8, 2019 4:37:28 GMT -6
Going in later this morning for the procedure. This is the 3rd one in 7 1/2 years. Hopefully I get the all clear and won't have to go thru this again for 10 years.
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Post by MoBuckChaser on Jul 8, 2019 4:43:08 GMT -6
Going in later this morning for the procedure. This is the 3rd one in 7 1/2 years. Hopefully I get the all clear and won't have to go thru this again for 10 years. 3 in 7.5 years? You must enjoy them. |
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Post by Reagan on Jul 8, 2019 4:53:14 GMT -6
You must have had polyps. If you did, I wouldn’t go 10 years no matter what the doctor says.
The prep sucks but it’s a hell of a lot easier than cancer.
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Post by Freeborn on Jul 8, 2019 5:46:10 GMT -6
^Agree, if you have had polyps I'd go every 3 like clockwork.
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Post by smsmith on Jul 8, 2019 6:02:50 GMT -6
Unless you're wealthy or you have a congressman's health care plan...you'll go for a colonoscopy only as frequently as your health care provider will approve them.
Good luck Tom, hope you get the all clear
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Post by Freeborn on Jul 8, 2019 6:13:33 GMT -6
Unless you're wealthy or you have a congressman's health care plan...you'll go for a colonoscopy only as frequently as your health care provider will approve them. Good luck Tom, hope you get the all clear There you go having the right answer again. To bad health care services are so unaffordable. |
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Post by Sandbur on Jul 8, 2019 6:43:28 GMT -6
Unless you're wealthy or you have a congressman's health care plan...you'll go for a colonoscopy only as frequently as your health care provider will approve them. Good luck Tom, hope you get the all clear There you go having the right answer again. To bad health care services are so unaffordable. Yup. We are at 13,000 deductible. |
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Post by badbrad on Jul 8, 2019 6:49:40 GMT -6
I have my first one coming up here and I'm not excited about it.
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Post by Reagan on Jul 8, 2019 6:49:43 GMT -6
I gave my Dr the family history. He said get one when I turned 40. I got it at 41. Will have my second one at 46.
$8000 deductible. Still better than cancer. Colon cancer is treatable if you catch it in time.
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Post by batman on Jul 8, 2019 6:53:21 GMT -6
Has everybody over 50 had their PSA test?
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Post by smsmith on Jul 8, 2019 7:00:19 GMT -6
I gave my Dr the family history. He said get one when I turned 40. I got it at 41. Will have my second one at 46. $8000 deductible. Still better than cancer. Colon cancer is treatable if you catch it in time. I agree with you. My point was simply that if your Dr. won't approve a test/procedure, you're not getting that test/procedure. Unless you are willing to spend a lot of cash anyway. If a Dr doesn't approve the test, I don't believe your deductible applies. Pretty much like having cosmetic (medically unnecessary) surgery. Total cost will be out of pocket. With a family history of colon cancer I believe most Drs will recommend a colonoscopy at least every 5 years starting at age 40. If they find polyps, you can expect to go even more frequently. |
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Post by terrifictom on Jul 8, 2019 7:26:45 GMT -6
I got my 1st one at 58 years old and had 2 polyps that were not cancerous. Had to go back 2 years later. No polyps, so they said I had to come back in 5 years, which is the one I am having today. Also having an upper GI because of my acid reflux. Between Medicare and supplemental every thing should be paid for. No out of pocket.
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Post by buckvelvet on Jul 8, 2019 7:29:14 GMT -6
Health Insurance is my niche in the world. Don't hate me it's just what I do, I didn't say I always enjoy it, I'd rather be in the woods!
A colonoscopy is part of the ACA/Obamacare 10 essential health benefits handed out in January of 2014. In general terms a colonoscopy is covered 100% by an individual plan or a small group health plan (if you were for a large employer they are not under the ACA law and do not have to purchase plans that heed to this rule of coverage.
If you are covered under the ACA scenario I discussed above the procedure, as well as the doctor, and facility is covered. Now if they remove polyps that part of diagnostic, not preventative and all other associated colonoscopy's from that point on will be diagnostic not preventative.
Ya'll are correct the deductibles and out of pockets in todays market are getting out of hand for the small town families even out of the poverty threshold. I don't have much faith working in this stuff everyday that anyone is actually going to fix it but I do what I can to make it easier for people to understand at least. .......don't shoot me.
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Post by buckvelvet on Jul 8, 2019 7:30:47 GMT -6
Funny bat should mention PSA tests, essential for guys no doubt, yet it's always going to go towards deductible because somehow it's not an essential health benefit. One of the truly (DOH!) pieces of the ACA law......there are many others.
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Post by Reagan on Jul 8, 2019 9:15:19 GMT -6
If my Dr didn’t recommend one, I would have fired him and found another.
It’s crazy that people have to fight for a procedure that can stop/prevent a common type of cancer.
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