August 25th, 2020
Depending on the kind of medical test you require, the cost can go up to as much as $3,000. A lot also depends on the clinic or diagnostic center you’ve chosen; how much they charge varies. So, for whatever reason, if you’re uninsured, you might end up with a big bill.
That being said, there are few ways around this to minimize the cost of your medical bill if you have no insurance. One of the first steps is asking for a recommendation from the doctor who has ordered you the test. If they are your family doctor or someone who you know, they can help you find a medical lab that charges relatively low. They can even refer you to a lab that charges less. Therefore, ask your doctor; let them know your financial situation and see if they suggest a way.
If your doctor fails to provide any concrete solution, it’s on you now to find a medical lab where you can get your test done at an affordable cost. As mentioned previously, different clinics or diagnostic centers charge differently. You need to do thorough research to find out which one better suits your budget. So, unless urgent, Google “medical labs near me”, browse online, visit websites, and even make calls to clinics to check their charges. Ask your friends, family, and colleagues if they know of such a medical lab services provider.
Remember, you don’t want to trade quality and safety for price. You should go with a lab or clinic that has adequate infrastructure and qualified professionals. During the test, there could be several errors leading to inaccurate results, which can further add to your cost; not to mention, false-positive or false-negative can adversely affect your health due to the lack of proper treatment. You want to avoid this at all costs by choosing to visit a good lab.
Good community health centers also offer lab services. Most of them are generally more affordable. Even when dealing with uninsured patients, their charges are relatively low. Some of them have sliding scale fees; meaning, how much you pay for the services depend on your income and family size. So, if you’re positioned weakly financially, these centers can provide a significant reduction to the final cost of your medical test. So, find such a community health center.
Indeed, without insurance, anything related to healthcare can cost you a lot of money. But in the case of medical tests, there are a few ways you can lower the final cost. The above-mentioned steps will hopefully save you some money.