Posted 9/16/2014 3:04 PM (GMT -5)
I agree w Gumby. Because you have a PPO, YOU have to do your own care coordination (as opposed to your PCP/Medical Group doing it for you like in an HMO), but that doesn't mean you're SOL when it comes to coverage of less common services, you just have to do some extra work.
Quest may not provide the testing and analysis you need, (Prometheus provides some less-common and even proprietary diagnostics) but Quest IS able to draw your blood and send it to Prometheus for you. Drawing blood and transporting it to where it needs to go is an essential function of a lab. Again, Quest SHOULD be able to do all the work you need. If Quest tells you they cannot do that (which they may, depending on a multitude of factors), you should contact BCBS and ask them where you can go. IF BCBS is unable to provide you with an in-network lab (meaning you will incur the lowest tier of out of pocket costs) who can do they work of being the middle man between you and Prometheus, then their network is potentially inadequate and they should provide you with an out of network lab who can do the services and you should only be charged your in-network copays/deductible. Insurance companies should not be allowed to have an inadequate network and then punish the patient for it.
But I'll get off my soapbox and try to tell you exactly what to do. When you call BCBS, note the date, time, and ask for a name and/or employee ID# of the person you speak with. You can also ask that they email/mail hard copies of info to you, if you do have to go to a non-network (outside the BCBS contracted provider netword) lab, you can ask for a pre-authorization and get approval to go out of network. $900 is a lot of money that most people don't have at the ready, I wouldn't just hope for the best in this situation.
There are things you can (and should) do to minimize your liability. Also, you should be calling your GI (if he's a BCBS provider) and BCBS for help with this because your contract for insurance coverage is with BCBS, not Prometheus. I would hope that Prometheus would not purposely give you bad advice in order to increase the amount of money they can make off you, but they don't know your coverage and cannot/should not speak to what you have to do in order to get the services covered. In other words, they may not know that coming to your house for a blood draw wouldn't be covered (it's not their responsibility to know, it's yours) but will tell you that's how it's done because that's a service they offer.
Seriously, it's much easier to get everything pre-approved then it is to obtain reto-authorization.