I finally went to get the results of my pap smear - taken about 2 months ago!!...I have metaplasia, so I had to schedule a colposcopy (sp?)...good thing I went to the community clinic and not to my private doctor....the colposcopy itself will cost $15 and, if needed, they'd take a biopsy for $12 additional...IF necessary, we would then schedule a criotherapy for $15....I cannot imagine my Dr. charging anything less than $200 for a criotherapy... and, the no-good insurance policy the company provides never pays for much!

Either the insurance company sucks, or whoever negotiates with them does!....according to the policy, the maximum one should be charged for a consultation is $17 (ha! try finding a doctor that sees you for less than $23!....The ones that have recently graduated, maybe, but any Doctor that has had his/her diploma for more than 5 years will charge $25-$30)...add a $9.50 deductible PER VISIT....and they pay 80% of whatever is left! (which effectively means they will pay up to $6.00 for a Dr's visit!!)...the deductible for medicines bought is $11.75 per RX....and the deductible per lab invoice is $10....which means that, unless you are seriously ill, you'd better NOT use private services!

Oh, and the "emergency" clause is just hillarious....if you are admitted through emergency at the hospital, the policy covers 100% of the hospital bill for medical services and 80% of the Doctor's fees - provided you use an affiliated Dr, otherwise, you pay and then try to get reimbursed according to the ins company's "tables"...good luck!- well, "emergency" applies if you are admitted because of an accident or, if you get admitted due illness ANYTIME BETWEEN 7PM AND 7AM....(?)....

OH, well, that's why I "save" the insurance for BIG things - none so far, luckily!