GypsyGirl
Senior Member
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- 165
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- North Carolina
This may have been answered already. If so, my apologies, as I don't have the mental stamina to read a 65-page thread.
How much does CCI diagnosis and treatment cost from initial imaging to neurosurgeon consults to surgery to hospitalization to post-treatment physical therapy? I assume the cost is well into the hundreds of thousands of dollars in the US, since I can't imagine that neurosurgery lasting up to 8 hours (?) is cheap.
Do you need really deep pockets, a willingness to go into debt, or really good private health insurance in the US, possibly through a spouse/domestic partner or parent, to consider going down this diagnostic route, as opposed to an Obamacare plan or Medicare. Would be really helpful to know if treatment is even within the realm of financial possibility before considering getting diagnostic imaging done in the first place. Thanks.
I daresay this won't have a one size fits all answer, as there are different plans in Medicare and the ACA, and other factors come into play (like where you live & if you're close to where the imaging machines are, if you have any doctors & medical advocates willing to help, etc). Very hard to guess even at rough numbers.
I can share that I have a Medicare plan, and am taking it piece by piece. For imaging and doctor visits, I pay a flat co-pay in-network, and a percentage co-insurance out-of-network. If I can make a medical case as to why I need that care/imaging, I may get out-of-network coverage billed as in-network (which saves a lot of money), but can take a lot of time. I can access a rotational CT if someone will order it, but an upright MRI and DMX (digital motion x-ray) are out of state, out of pocket, and out of reach at the moment due to cost of the imaging and the traveling. In the meantime, I research and follow the conservative measures neurosurgeons recommend, gather treatment options, try to find medical allies willing to go to bat for me, and build a case for why I might need surgery if that time comes. On a fixed income, I weigh risk management best I can - can I get a neck brace this month, or do I need compression hose to function? (Or groceries?) If I buy the physical therapy book, can I stretch out PT appointments to once every 6-8 weeks? If I get pay for the imaging this month, will I be able to afford the doctor visit next month?
It'd be useful to look at your explanation of benefits and see what your co-pays are for imaging and specialists. You can petition your insurance to cover an out-of-network doctor for necessary medical care if there's no one in-network (sometimes called "gap coverage"). You may get denied and have to file appeals. You may have to gather evidence, see extra doctors to find someone willing to recommend you need the care you say you need, and take on a lot of the paperwork & phone calls yourself.
The lack of answer and the process can be very disheartening, and I understand the frustration of wanting to know IF it's possible before wasting your time. In a similar position, I wish I had a better answer for you. Poverty and insufficient medical insurance can be an extra-large elephant in the room, but it's good to talk about. If we acknowledge the elephant, perhaps we can figure out some possible solutions by trying and sharing.