Question:
Do I co-pay for every pre-op test provider?

When you go for your pre-op testing, do you usually have to pay your co-payment for each office test you have done? From what I have read from others is that most of the time, you have to go to different places to have all the test done, and I was wondering if you pay your co-payment for each one of these test. My insurance is BC/BS Federal, do they bill the insurance separately, therefore, I have to pay for each test if done at different place or do they consider it as part of my doctors visit or the preop hospital testing which is included in the $200.00 inpatient hospital deductible that I must pay???    — s r B. (posted on January 17, 2001)

June 10, 2001
Yes, you have to pay a co-payment for each test made for each visit to a separate doctor or testing facility. That even means that if you see you PCP on two separate visits for two separate tests you will be charged two separate co-payments, even if it is the same doctor. If you have two tests on the same visit you will only be charged for one visit but will still be charged for the two separate tests. In the interest of saving money, make sure you know what tests need to be done and get them all done at the same time so that you will limit the number of visits that you have to make. Keep in mind that the mental health evaluation MAY be charged at 50/50 rather than 80/20. Many policies treat mental health visits differently than other health visits. Please check your health insurance policy or explanation of benefits booklet for any further details. Good Luck *** Michelle
   — Michelle E.