I was formally diagnosed a year ago. My husband has not been formally diagnosed, but went gluten free 13 years ago at the advice of my allergist and his MD/GP. Since my daughter was symptom free (I know….my only symptom was anemia), I waited until the "Affordable Care Act" was officially in place to have her tested for celiac disease. We are self-employed and I was already "uninsurable" which meant that I was able to keep my old insurance but wasn't able to shop around for other insurance. In my state, I could get new insurance but at an extra premium (we pay about $22K/year for three of us as it stands now). My daughter has her own policy and I didn't want a "ding" on her record or any rejection.
Her results were negative. Yeah!
I received her bill from her insurance company yesterday. The test was about $600.00. Her insurance has set charges (negotiated rates), we had to pay the total lab costs of $68.00 since we have not met her deductible. At first I just thought it was some kind of co-pay, but that was the full amount. I cringe to think what folks without insurance must pay!
Fortunately, my husband and I have a HMO policy that covers just about everything (and we pay through the nose for it).
I would have paid the $600 since health is everything to us, but still? Why such a disparity in charges?