this post was submitted on 19 Jan 2026
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Just as an aside, often the bill you first receive from stuff like that is the fake price they bill insurance for, so the insurance company can "negotiate" a better deal.
If you get a bill like this and insurance denies the claim, you can often call the billing department and get a significant reduction.
I knew someone who racked up like $250k in denied claims from cancer treatment. They went to the hospital to work out a payment plan, and the billing department was so surprised someone actually wanted to pay their bill they dropped it to $2500.
Obviously it's still fucked that you have to do it, but the price can often be lower than the sticker price.
You can also call your doctor to ask what tests they're going to run and which lab they use, then call your insurance to verify coverage. Or if the testing is done in house the office staff can check for you.
I don't care. I'm not engaging with that system unless I think I'm dying. Even then I'll probably try and sleep whatever it is off first and die anyway. At least my bank account will be intact to leave to my family.