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Lab tests- how do you afford it?

Answered on August 19, 2014
Created December 05, 2012 at 10:42 PM

I'm tired of guesswork and want lab tests done. About a year ago before I started doing massive amounts of self research, I paid tons of money for the genova comprehensive IgG/IgE antibody test along with IgA celiac/gluten sensitivity antibody test and Im learning now that this probably wasn't the best test to figure out things. Ideally, I would like to get my thyroid, adrenals, cortisol, stool test and whatever else that may be relevant checked out but how do you get these paid for? Do you have a regular PCP who orders the test/possibly get covered under insurance and take the results to a naturopath? Do you pay out of pocket? Do you go to a naturopath that is covered under your insurance? There is a great naturopath that I found who seems to be very up to date on paleo, autoimmunity, blah blah but he does not deal with insurance. How does everyone afford all this?!

73689d59af924127c99bab37ce42ac10

(109)

on December 06, 2012
at 09:56 PM

Hey thats pretty cool! Kind of almost makes me want to forego paying insurance premiums and just pay into my own health savings account. But thats risky, I know..

73689d59af924127c99bab37ce42ac10

(109)

on December 06, 2012
at 09:55 PM

Thanks for this insight. I am just recently employed (im 23) and trying to navigate my health insurance policy is...yeah. Really hard. Feels like a gamble whenever I go to the doctor or have labs done.

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5 Answers

1
705e66484ed64fe8e188123de398413e

on December 06, 2012
at 11:19 PM

I pay out of HSA account or out of pocket. If you want to save money, try to find the cheapest possible way to interface with a practitioner. I bet there are some who would let you pay for the test on your own without a practitioner markup and then consult via Skype to help you interpret the results.

Order your own test and get some cheap time with a practitioner: http://www.wellnessfx.com/

Order your own tests: www.accesalabs.com/

There are also two pretty affordable kickstarter type campaigns going on right now: Talking20 will do cholesterol, vitamin D, testosterone, progesterone, estradiol http://www.indiegogo.com/talking20

BioMe will do microbiome: http://www.indiegogo.com/ubiome

0
846b7a5b93aed18cf7f2d5c696110beb

on January 04, 2013
at 01:06 AM

Tests are often inconclusive. Elimination diet works just as well. Just listen to your body. And insurance can't count it against you.

0
1b247b3ca673cb9a5c547c69d490de8f

on January 04, 2013
at 12:45 AM

My doctors office has a dietitian tied to it. She is a whole foods dietitian and a pain the butt but she is able to have my test ran through my insurance calling it as a illness prone check. I get the cold a lot due to a low immune system. Try that route.

0
52ae9aafc50dc175bc0bbf2c262c5826

on December 06, 2012
at 09:34 PM

I pay for them out of my HSA account so its basically my money so I shop around and wait for deals. Direct Labs is a good online company that you can order tests from and then just go to your local lab for the blood draw of whatever. They email you the results in a couple of days.

73689d59af924127c99bab37ce42ac10

(109)

on December 06, 2012
at 09:56 PM

Hey thats pretty cool! Kind of almost makes me want to forego paying insurance premiums and just pay into my own health savings account. But thats risky, I know..

0
3491e51730101b18724dc57c86601173

(8395)

on December 06, 2012
at 09:27 PM

If you have a willing physician and insurance company, you might go to a naturopath or other practitioner and your regular PCP might be willing to order the tests so they are covered by your insurer.

But many of us are stuck with insurers (particularly HMO's) who don't cover doctors savvy to these issues and won't order tests outside of their own protocols. So then you look online to find good prices--they are available and it pays to "shop around".

If you have a "cafeteria plan" at your work, you MAY be able to put pre-tax dollars aside to cover these tests. But you should talk with your plan administrator to be sure before electing to put money aside.

73689d59af924127c99bab37ce42ac10

(109)

on December 06, 2012
at 09:55 PM

Thanks for this insight. I am just recently employed (im 23) and trying to navigate my health insurance policy is...yeah. Really hard. Feels like a gamble whenever I go to the doctor or have labs done.

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