You should familiarize yourself with the different types of health plans available to you.  They are not all the same.  Most people want to have a PPO (Preferred Provider Organization) because it allows the most flexibility and control over your health care providers.  Another option is an HMO (Health Maintenance Organization) and those plans are typically smaller and limited to a geographic area.  You typically have a primary care doctor that makes all decisions including if they feel you need to see a specialist.  You do not really have much say in the process.  There are other options, too, that are smaller and even more limiting like EPO’s and POS’s.  You may find that with HMO’s, EPO’s, or POS’s that you have very limited or no coverage at all when attempting to access care outside of their network.

If you travel for work or pleasure, you may want to consider a Nationwide PPO instead of the limited networks like HMO’s, EPO’s, and POS’s.

Is My Doctor Considered “In Network”?

If you really like your current doctors and want to continue to use them, you should call your doctor’s office and see if they take your new health coverage.  Or you can look at the health insurance company’s provider page and/or your doctor’s website to see if they are in-network with the health insurance carrier.

This is especially important if the health plan is an HMO because HMO’s typically have limited to no coverage if you use a doctor outside of your network.

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When comparing health plans, it is sometimes easier to estimate how you use the health policies if you stay at your current state of health, and then compare the health policies again considering the “worst case” scenario.   If something very serious were to happen to you, would you have the right coverage?  Look at these two perspectives and break this down to a simple math problem.   Adding up all the costs of both scenarios will sometimes make choosing the right health care plan very easy.

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The licensed agents will be shopping and comparing health insurance plans available in your area but will also look at national health care plans, which can be especially helpful for those who travel and need broader coverage.

Health care and health insurance rates are continuing to go up.  Our process is simple.  Just take 5 minutes to answer some questions, and a licensed agent will provide you with your health insurance options.  The agent will explain the plan and answer any questions you may have.  If you would like to research anything further, you can also use our helpful glossary to help you understand specific health insurance terms.  If you already have a good understanding of medical insurance, then use Insurance-Guy.net to find the best deals on health insurance and help you choose the best health care insurance quotes.

When you choose to use Insurance-Guy.net, you are getting a fully licensed agent who is an expert in his or her field.  They will help you understand what type of health coverage is best for you or your family.  Whether you have health insurance through your employer and you want to explore more affordable health care options, or you’re without health care and you want to find affordable health insurance, Let Insurance-Guy.net help you!

Health insurance plans can be complicated.  With all the different companies, networks, and coverages out there, having a licensed, professional health insurance agent becomes invaluable to your health insurance search process.  Your agent will not only shop for and compare the best health plans but will also aid you in applying for the coverage.

Our Process is Completely Confidential

When utilizing the services of Insurance-Guy.net, your information is kept confidential and is never sold to or shared with other companies.  We are completely professional, and your information is used by our agents with the sole purpose of aiding you in your affordable health care search.

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A colonoscopy is an exam used to detect changes or abnormalities in the large intestine (colon) and rectum. During which, a long, flexible tube is inserted into the rectum and a tiny video camera at the tip of the tube allows the doctor to view the inside of the entire colon. 

This is usually done after the age of 50 and rechecked every 5 or 10 years.  This is done as a diagnostic tool for ongoing problems.  Or it is used as a screening for colon cancer and/or to remove polyps to reduce risk of cancer.  The cost of this screening will range from $600 to over $5,400, so always ask before scheduling! 

If you are on an Obama Care plan

The policy will cover the screening, but may not cover the anesthesia, the facility, or pathology (which can add up to a lot especially the pathology!).  So, you always should ask about costs since they do vary a lot.  Also note, on the Obama Care plan if they do find something wrong, it is no longer coded as preventative, and is no longer covered till you have met your deductible. 

If you are Underinsured

If you are on a health care plan that does not cover a colonoscopy or does not cover it till a large deductible is met, or you are just underinsured for the colonoscopy procedure, you will have to pay out of pocket for the screening from $600 to over $5,400!  But you still have a really good option that you may even pay less than what you could pay on some Obama Care plans that cover it!

So, if you are not insured or you’re underinsured, you need to take advantage of Colonoscopyassist.com.  Essentially, they have contracted with facilities all over the country to get these at a much-reduced pricing.  The price will vary slightly from state to state but will cost approximately $1,075.  The $1075 flat rate is a true all-inclusive rate. It includes all the costs related to the procedure and there are no hidden charges (unlike the Obama Care plans). The price includes: Physician fees, Facility or Hospital fees, Sedation or Anesthesia costs, Removal of polyps and taking of biopsies, Pathology Cost, and Reference Pathology cost.  THIS IS A GREAT DEAL!

Overview

If you are not insured or underinsured, you have a really good solution for getting a colonoscopy.  And if you are on an Obama Care plan, you still may do better using Colonoscopyassist.com (especially if you end up having to meet your deductible first).  See their link below.

https://www.colonoscopyassist.com/

Note: As a lower level alternative and you are not at-risk for colon cancer, you may opt for a non-evasive screening by doing a stool sample test (Cologuard) which could run $599.  Recommended every 3 years.

The information I provided above is just a summery and you should always do your own research when making your medical decisions.  And with all health care procedures today, you need to be proactive and do your due diligence to make sure that you are not getting procedures or testing that you do not need, or want to pay for, and always check on the costs first, because they can vary greatly from provider to provider.  Don’t be shy, ask your provider the cost to you before they do it.  I hope this information saves you from unnecessary bills in the future!

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