Most of us are at the mercy of docs and insurance companies when it comes to our treatment. We are often asked to undergo treatment or tests without knowing much about the cost to us.
My Tysabri infusions are billed to the insurance company @$6,000 each. I couldn't get an info on MY cost before I started getting them in November. I started them anyway. My out of pocket for the 4 infusions to date is less than $600, my annual out of network deductible. Now, after the fact, I'm comfortable that my out of pocket will be minimal. It could have been different. If my insurance only paid $4,000 of the $6,000 billed, and my doc wanted the difference from me, I would have been in real trouble.
Yesterday I got a call from my doc's office. They have recently installed 2 new MRI machines in the practice. The caller wanted to know if I would like to schedule an MRI. I thought they were looking for test volunteers so I said OK. Then she said she would submit it for insurance approval. I then asked if this was medically necessary, meaning did my doc order the scan. She gave me a somewhat plausible explanation. I said as long as it was 100% covered and medically necessary I would come in.
With all medical care, and MS treatment in particular, the doc is both the buyer and the seller, And they don't pay, we do! It is in our best interest to do a little more proactive fact finding before agreeing to expensive treatment/test.
Just one man's opinion.