Type 2 diabetes can cause serious health problems. What kind of out-of-pocket costs would an insured rack up if he/she thought there might be a chance of diabetes? Let’s first take a look at the warning signs for diabetes. Web MD reports that the “symptoms of type 2 diabetes due to high blood sugar may include:
- Increase thirst
- Increased hunger (especially after eating)
- Dry mouth
- Frequent urination
- Unexplained weight loss (even though you are eating and feel hungry)
- Fatigue (weak, tired feeling)
- Blurred vision
- Loss of consciousness (rare)
Gee, that almost sound like a weekend at Bernie’s! Just kidding. Anyway Web MD goes on to say that “in order to confirm the diagnosis of type 2 diabetes your doctor will order a fasting plasma glucose test or casual plasma glucose.”
What you will pay for that test depends on the kind of health plans you have. Blue Cross and Blue Shield of Florida has plans that as long as the lab work is done at a particular lab, the charges are zero. If you have a high deductible health plan you would pay for the tests as follows: First you meet the deductible. Obviously if you have a $5000 deductible you would be paying for the entire lab fee. When you go to the lab give them your insurance card so that they may bill your insurance carrier. Wait until you get the explanation of benefits (EOB) from your insurance carrier. When paying medical bills ALWAYS be sure that the charges on the EOB match the bill from the provider. If you are entitled to network discount it should be reflected on your EOB. Paying the provider before received the EOB will take you out of the loop to receive the network discounts. The money that you pay for the fasting plasma glucose test (FPG) will be applied toward your deductible.
The American Diabetes Association recommends the fasting plasma glucose test because it is easy to do, convenient, and not as expensive as other tests. Before you take the blood glucose test you will not be able to eat anything for at least eight hours. O.K. so you have the test and they come back normal, then what? If you have risk factors for diabetes or diabetic symptoms your doctor may decide to do an oral glucose tolerance test to be sure that you do not have diabetes. This test is generally will be done without any fasting and not at any particular time of day. A glucose level greater than 200 mg/dl may indicate diabetes.