Not So Free
If a woman has had a positive mammogram in the past, even if it was a false-positive, the next mammogram is a diagnostic, not a screening test. Similarly, during a colonoscopy, if a doctor finds a polyp and snips it out, insurers maintain the test is no longer a screening but rather a diagnostic procedure. Neither scenario is covered by the prevention provisions of the act, so the patient at the very least has a copay to make. If the patient has a high-deductible policy, he or she may very well have to foot the entire bill. That's hardly a healthy incentive to have the testing performed. And that effectively defeats one of the provisions for reducing health care costs.
You've got to hand it to health insurance companies: they have a penchant for finding ways to save money. Unfortunately for policy holders, that cost savings too often has a negative impact on their health care needs.
The more things change ...
Labels: Insurance Companies