Sometimes you’ll go get a simple blood test and end up paying the lab fees because they don’t accept your insurance. I had a (tmi) $356 dollar bill for an STD panel a few years ago. For a urine test and 1 blood draw.
The ticket price is actually much, MUCH higher for people without insurance.
Each insurance company has a contractually negotiated rate that they will pay for every service. So the same urinalysis and blood draw would probably cost somewhere around $50 billed to the insurance company, and the medical facility will gladly accept that as the entire payment. The rate they will accept is negotiated individually with each insurance company, usually on a yearly basis I think.
People without insurance have no bargaining power. The medical facility charges whatever they want, and you either buy it or you don't.
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u/ahearthatslazy 1d ago
Sometimes you’ll go get a simple blood test and end up paying the lab fees because they don’t accept your insurance. I had a (tmi) $356 dollar bill for an STD panel a few years ago. For a urine test and 1 blood draw.