We needed an expensive genetic test for our daughter. UCSF hospital suggested a new lower cost provider, and sent the sample in. The provider called us and said they are "unique" in that they would bill insurance a different amount than we actually would be held to.
Indeed. We paid them $600. They billed insurance $910, $2549, and $1184 all of which were paid at a $0 rate since we're on a high deductible plan. As it sits we're out only $600, but our yearly deductible is nearly met according to UHC our insurance company.
Something seems fishy about this. I tried alerting UHC the insurance company, but I don't think they understood. Is this a form of fraud? If so who's making the money?
Note: After the sample went in, the test provider immediately called with a series of high pressure sales people, telling us the price would be $2000, or we could apply for "special pricing", by submitting income data. They said "even if you make a million dollars" we'd be approved. It sounded really sleazy. We sent the data, and they dropped the price to $600.
They resisted putting this price in writing, but after several calls, eventually relented.
I won't name them in public, as I don't want to advertise their services even indirectly. If you're considering a cut rate genetic test however, you'll probably encounter them.