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07-06-2020 05:12 PM
So I live in NYC and I was under the impression testing statewide was free to anyone. I needed to get a Covid-19 nasal swab test so I could have cataract surgery. I have insurance and went to an urgent care facility in my network. I was told by my insurance company there was no charge to me for the test and the urgent care facility said there would be no charge to me. So today I get an EOB (explanation of benefits) saying I owe $70. I called my insurance company and was told I owe a copay. Now I was assured there was no charge to me, if I had gone to a statewide site I wouldn't have paid anything. I tell the CS rep that's a sneaky way to try to get payment from me (again I was told it wouldn't cost me anything by the insurance company). She knew I was angry, she put in some kind of claim for it to be looked at again, but let's face it I will not win and have to pay the $70. I have had problems with this insurance company, I'm done with them (I buy from the marketplace).
07-06-2020 05:15 PM
where i live, it runs up to $250 when you go to those 24 hour ER clinics. there's a long line too.
07-06-2020 05:17 PM
I think they're free here at the state-sponsored test sites. Of course you have to sit in your car in 100° heat and wait forever.
07-06-2020 05:24 PM
it is free at some of the maryland state run sites.
no appointments at some locations, no doctors script necessary.
07-06-2020 05:24 PM
In NJ it's free.
"Never argue with a fool. Onlookers may not be able to tell the difference."
07-06-2020 05:28 PM
I wouldn't expect any private medical location to offer free testing unless it is advertised.
07-06-2020 05:29 PM
A co-pay is a little different from the cost of the test. I wouldn't dispute their explanation. $70 is the cost of a top or pair of shoes on QVC. Not a huge amount by any means.
07-06-2020 05:37 PM
@AuntG wrote:A co-pay is a little different from the cost of the test. I wouldn't dispute their explanation. $70 is the cost of a top or pair of shoes on QVC. Not a huge amount by any means.
It isn't the amount, it's that I was told over the phone by a customer rep of the insurance company there would be no charge to me, and the urgent care facility told me that too. I know I will end up paying the $70, little people like me never fare well going up against any company.
07-06-2020 05:49 PM - edited 07-06-2020 05:50 PM
I'm also in NYC - went to a state hosptial since it was close to me to get tested
it is supposed to be free but then I didn't receive the bill yet - they took my insurance info
My brother went to CityMD for a tetanus shot and they offered to give him the test and told him it was free
both happened last week
07-06-2020 05:59 PM
Are you sure that amount is just only the office visit copay? With my insurance any visit to an Urgent clinic is a 75 dollar copay. Then the test for covid is 100 percent covered by insurance.
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