crohnsinct
Well-known member
- Joined
- Mar 10, 2012
- Messages
- 6,469
Hi gang! I posted in some one's thread what I found out but now have more info and thought I would give it it's own thread.
Prometheus Remi Levels/antibodies test cost $2,500.
As we all know many insurance companies don't cover it.
I called Prometheus and here is what I found out. If your company flat out denies the claim they will appeal on your behalf. They will appeal as many times as necessary to exhaust the appeals process. If they exhaust the appeals process and the claim is still denied then you will be billed only $250.
Here is the hitch! If you insurance company agrees to cover but at a reduced rate then you are on the hook for whatever your patient portion in your plan is. Prometheus is an out of network lab for most insurers. It is possible that they will agree to cover and agree to the $2,500 BUT keep in mind you will have to meet your out of network deductible before they kick in and then also have to pay the coinsurance percentage of anything left.
So for example...our in network deductible is $500. Our OON deductible is $1,500. All of our providers are in network. O is having a good year (no hospitalizations etc that would bring us to our out of pocket maxs of $3,000/$6,000). We have met our in network deductible of $500 so we have $1,000 left on our OON (our insurance applies in network deductibles to oon).
Lucky us...Our insurance has agreed to cover the test at $2,000. So we pay $1,000 to fulfill our OON deductible and 30% of the remaining $500. It would have been better if they kept denying the test:/
The procedure code is unlisted so it is not a simple call to see if insurance will cover it. If you are considering the test and you want to know how much you will be on the hook for send in all the documentation way ahead of time to get the insurance companies decision. This includes Prometheus propaganda and your doctor's explanation of why it is medically necessary etc.
Good Luck!
Prometheus Remi Levels/antibodies test cost $2,500.
As we all know many insurance companies don't cover it.
I called Prometheus and here is what I found out. If your company flat out denies the claim they will appeal on your behalf. They will appeal as many times as necessary to exhaust the appeals process. If they exhaust the appeals process and the claim is still denied then you will be billed only $250.
Here is the hitch! If you insurance company agrees to cover but at a reduced rate then you are on the hook for whatever your patient portion in your plan is. Prometheus is an out of network lab for most insurers. It is possible that they will agree to cover and agree to the $2,500 BUT keep in mind you will have to meet your out of network deductible before they kick in and then also have to pay the coinsurance percentage of anything left.
So for example...our in network deductible is $500. Our OON deductible is $1,500. All of our providers are in network. O is having a good year (no hospitalizations etc that would bring us to our out of pocket maxs of $3,000/$6,000). We have met our in network deductible of $500 so we have $1,000 left on our OON (our insurance applies in network deductibles to oon).
Lucky us...Our insurance has agreed to cover the test at $2,000. So we pay $1,000 to fulfill our OON deductible and 30% of the remaining $500. It would have been better if they kept denying the test:/
The procedure code is unlisted so it is not a simple call to see if insurance will cover it. If you are considering the test and you want to know how much you will be on the hook for send in all the documentation way ahead of time to get the insurance companies decision. This includes Prometheus propaganda and your doctor's explanation of why it is medically necessary etc.
Good Luck!