I am scheduled to visit the Rochester Mayo Clinic, which is in my insurance network. This is a question that is specific to how a facility such as the Mayo Clinic works with insurance, so please don’t tell me to contact my insurance company :-), other than telling me is that I’m in network, the information I’ve gotten from my insurance company is lacking.
I have been given only an initial appointment, and told to plan on being in Rochester for a week. I assume the initial appointment will determine what additional tests need to be done during that week.
With all other significant tests (at other facilities) to date, what always happens is the doctors office submits requests to the insurance company for approval, then I wait several days for the approval, and only then are the tests scheduled days or weeks later. Since it appears the Mayo Clinic uses a shotgun approach (I used that term in the most positive of ways), and evidently a lot of tests are all going to happen within this one week, how will I know the tests being done will be covered? In other words, if I’m showing up on Monday, and they’re actually going to be doing tests that week, it seems as though there would not be time for the insurance company to approve the tests? Will the Mayo Clinic be getting approvals, or are they somehow immune from this requirement?
I’ve had very bad experiences with insurance companies and my worst fear is going home and finding out I have a hundred thousands dollars worth of bills my insurance company does not approve.
Thank you in advance for any insight you can provide.