https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Tue, 26 May 2026 05:21:50 +0000 https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266399 Tue, 18 Aug 2015 18:31:00 +0000 littlebug 2266399@https://boards.hellobee.com/ <p>I was looking at my claims the other day and checked the claim for my MaterniT21 test, just out of curioustiy. The cost for the text was $2300. My insurance paid $470, which the lab accepted for payment! So the claim was approved and I am not getting a bill. </p> <p>Long story short, insurance and our health care system are so effed up. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266337 Tue, 18 Aug 2015 16:14:04 +0000 reverie 2266337@https://boards.hellobee.com/ <p>@TemperanceBrennan: ha I have crappy insurance. Everything even when it's "covered" comes with some coinsurance until I meet the $2500 deductible. I hope you fair better than me! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266332 Tue, 18 Aug 2015 16:09:08 +0000 TemperanceBrennan 2266332@https://boards.hellobee.com/ <p>@reverie: I'm 99% sure the NT was covered 100%. I'll see in a few weeks if I get a bill. :silly: Silly insurance. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266260 Tue, 18 Aug 2015 15:07:19 +0000 BabyBoecksMom 2266260@https://boards.hellobee.com/ <p>I had it done when I was pregnant with #2 and it was covered by insurance. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266252 Tue, 18 Aug 2015 15:02:12 +0000 Mrs D 2266252@https://boards.hellobee.com/ <p>@reverie: ya, the deciding factor for me was timing. I have my First Tri scheduled for 8/27 - my panorama blood draw would not be until Sept 14 (then a week for results). So...8/27 vs 9/21....no brainer for me! :) </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266248 Tue, 18 Aug 2015 14:59:00 +0000 reverie 2266248@https://boards.hellobee.com/ <p>@Mrs D: that's what it came down to for me. the regular NT scan would give me less information and similar pricing so I decided to get the test! now to anxiously await answers! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266244 Tue, 18 Aug 2015 14:57:10 +0000 TemperanceBrennan 2266244@https://boards.hellobee.com/ <p>@reverie: Not at this point. We had my NT scan and haven't gotten the results back yet. The geneticist recommending do the basic test and thinking about other tests after we get those results. </p> <p>Thanks for all the information! I really appreciate it! Hope it come back soon with no concerns! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266241 Tue, 18 Aug 2015 14:54:28 +0000 Mrs D 2266241@https://boards.hellobee.com/ <p>My OB offered it to me at $100 but that is a special panorama is offering them to get more exposure. I dont think we'll be doing the test - just doing the first tri screening like last time.</p> <p>My first trimester screening will run about $100 bc the blood is sent to a lab out of network. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2266236 Tue, 18 Aug 2015 14:52:44 +0000 reverie 2266236@https://boards.hellobee.com/ <p>@TemperanceBrennan: did you wind up getting the test? I had them take a sample this past friday. Someone in my online mom group had hers taken Wednesday and already knows results! I'm really antsy to know everything is baking OK in there! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256804 Thu, 06 Aug 2015 14:47:24 +0000 reverie 2256804@https://boards.hellobee.com/ <p>@TemperanceBrennan: final update. apparently they can't offer the "reduced rate" but after my insurance refuses to pay I call them and it is magically $200. I have the ladies name and anecdotal responses online say the same thing... so here's hoping I don't have my life in 6 weeks I think I'm going for it :) In network will be less than $200 most likely. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256711 Thu, 06 Aug 2015 14:09:21 +0000 reverie 2256711@https://boards.hellobee.com/ <p>@TemperanceBrennan: they are still reaching out to me and having their billing dept call me (they want me to take the test more than I want it).... what a mess. Like it really shouldn't be THIS hard to know how much something costs before you participate! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256697 Thu, 06 Aug 2015 14:02:30 +0000 TemperanceBrennan 2256697@https://boards.hellobee.com/ <p>@reverie: Well that sucks. I'm BCBS Minnesota, but I live/work in Wisconsin. I guess I'm going to have to make the same phone calls. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256682 Thu, 06 Aug 2015 13:54:43 +0000 reverie 2256682@https://boards.hellobee.com/ <p>@TemperanceBrennan: well boo for me but might work out for you. I am BCBS of NJ which is out of network with them so it would be billed to my insurance, I'd have to pay my out of network deductible which is very high and then additionally pay the company $100-200. They couldn't even tell me amount they'd bill my insurance. It's a huge gamble. If you're in network it would go to in network deductible which is much less and I'll hit anyway along the way. A lot of BCBS is in network but sadly not me. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256575 Thu, 06 Aug 2015 12:47:19 +0000 hilsy85 2256575@https://boards.hellobee.com/ <p>I was told that even if my insurance does not cover panorama, they would not bill me more than $25. My insurance will NOT be covering it at all, but my OB said that I would not be receiving a bill from panorama. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256527 Thu, 06 Aug 2015 12:23:30 +0000 TemperanceBrennan 2256527@https://boards.hellobee.com/ <p>@reverie: Thanks!<br /> The women I talked to was friendly, but I didn't get the feeling she understood what I was asking. I even said, so anything my doctor orders will be covered 100% until I give birth and she said yes. I'm planning to get billing codes to confirm, but I feel like it shouldn't be this confusing! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256519 Thu, 06 Aug 2015 12:18:57 +0000 MamaG 2256519@https://boards.hellobee.com/ <p>@reverie: My story is over a year old at this point. Call the lab directly. It was NOT covered by my insurance because of being a high deductible plan. BUT, the lab adjusted their charges down significantly. I don't recall exactly what I paid, but it was under $200, possibly under $100. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256518 Thu, 06 Aug 2015 12:17:55 +0000 reverie 2256518@https://boards.hellobee.com/ <p>@TemperanceBrennan: I've emailed the test maker and I plan on calling during my break to find out the worst case. Like I mentioned above I know that sometimes the plans give a lower price to uncovered patients b/c they want they test to be more mainstream. Panorama is now advertising that it is accepted for "normal risk" women and want this market. I'll let you know what they say. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256514 Thu, 06 Aug 2015 12:13:19 +0000 Mrs.KMM 2256514@https://boards.hellobee.com/ <p>I got the Panorama last year as a 27 year old mama-to-be with no risk factors whatsoever and insurance covered everything but $25. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256513 Thu, 06 Aug 2015 12:12:02 +0000 ms.line 2256513@https://boards.hellobee.com/ <p>I talked to my insurance about it and they said NIPT is *potentially* covered. It seemed to me like I would either need to be over 35 or screen positive on my first trimester screenings for insurance to deem it "necessary." </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256510 Thu, 06 Aug 2015 12:10:00 +0000 2PeasinaPod 2256510@https://boards.hellobee.com/ <p>@reverie: It's a complete racket...the US health care system is so broken! And yes...I did call! I got it reduced to $200, which again shows you that it's all just a crock of crap! I actually work in the benefits department for my company, and I always say that if it's hard for one of us to understand, how in the world will our employees know what to do?? </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256506 Thu, 06 Aug 2015 12:07:05 +0000 TemperanceBrennan 2256506@https://boards.hellobee.com/ <p>@reverie: I'm BCBS PPO too. Why does it have to be so confusing!?! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256501 Thu, 06 Aug 2015 12:03:56 +0000 littlebug 2256501@https://boards.hellobee.com/ <p>I had the MaterniT21 test done because I'm AMA. To my shock, it was covered 100%. I don't even owe towards my deductible for it. I have a health system "capitated" plan that covers care provided by the health system I work for at 100%. Other Highmark BCBS providers who are in-network but not in my health system are covered at 100% after I reach my deductible, UNLESS my health system doesn't provide that particular service. Out-of-network are covered at 70% after my deductible. </p> <p>The MaterniT21 test is only performed by one particular lab (that I know of), so I guess that's why it was covered at 100%.</p> <p>But yeah. Insurance shit is tricky. I deal with insurances on a daily basis and I still have a hard time figuring my own out, let alone anyone else's! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256498 Thu, 06 Aug 2015 12:01:02 +0000 reverie 2256498@https://boards.hellobee.com/ <p>@2PeasinaPod: Also, years ago my friend got materniti21 and the max out of pocket they would charge you was $250 if your insurance wouldn't cover. You might want to call them to see if that is the case vs. your bill! </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256497 Thu, 06 Aug 2015 12:00:25 +0000 reverie 2256497@https://boards.hellobee.com/ <p>@2PeasinaPod: Thanks just a lot of run around. It seems to me one test vs. two blood tests and an ultrasound which is the alternative should be covered, but whatever. It seems like these tests will shortly be the standard of care, but I guess no yet for me. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256492 Thu, 06 Aug 2015 11:57:10 +0000 2PeasinaPod 2256492@https://boards.hellobee.com/ <p>@reverie: It also depends on what your employer chooses to cover above the standard. Highmark's BCBS plan's standard is to cover the test if you're AMA, but if you're not, they won't cover it. Your best bet is to get the procedure code from your provider, then call your insurance company and ask them to send you something in writing if that procedure code is covered and if there are any risk factors. The other piece is to find out where your provider would be sending the lab work to be processed. If the lab is out of network, then you're responsible for your out of network deductible first. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256482 Thu, 06 Aug 2015 11:49:13 +0000 reverie 2256482@https://boards.hellobee.com/ <p>@MrsADS: thanks I'm BCBS PPO and seem to be finding similar. My MD the "highmark" insurance was the only one she knew that didn't. Very frustrating. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256480 Thu, 06 Aug 2015 11:45:03 +0000 MrsADS 2256480@https://boards.hellobee.com/ <p>I think it's very insurance company dependent. We have good insurance imo (Blue Cross Blue Shield state employees' PPO), and they would only cover it if you're AMA or have a risk factor. I'm not AMA but I had a soft marker on my ultrasound so they covered it. I was basically told that as long as my doctor deems it medically necessary, they would cover it. My perinatologist's office also contacted my insurance to ensure it was covered. I had to pay my coinsurance percentage but it wasn't that bad. </p> <p>It was not included in my "global prenatal coverage" - for me, that only covers my OB care. Blood tests, visits to the perinatologist, etc. are still subject to coinsurance/copays, at least under my plan. I don't pay copays or anything to my OB for my regular prenatal care though.</p> <p>This was a few months ago. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256471 Thu, 06 Aug 2015 11:38:07 +0000 reverie 2256471@https://boards.hellobee.com/ <p>I really wish healthcare wasn't such a mystery. There is an online cost estimator and it doesn't even have the f*cking test. SOOO FED UP. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256461 Thu, 06 Aug 2015 11:33:08 +0000 TemperanceBrennan 2256461@https://boards.hellobee.com/ <p>I just called my insurance to follow up on what was covered and what wasn't. I specifically asked about first trimester testing and she looked up the clinic and said everything was covered. I asked about ten different ways and she said yes every time. She said as long as your provider is in network, EVERYTHING is covered relating to prenatal care. I only start paying co-insurance after the baby is out. </p> <p>I'm still not 100% sure this is true. I'm going to call again to confirm. </p> https://boards.hellobee.com/topic/panorama-coverage-in-the-past-month#post-2256451 Thu, 06 Aug 2015 11:27:40 +0000 NovBaby1112 2256451@https://boards.hellobee.com/ <p>I got the harmony test done, no risk factors, 29 yrs old. Called my insurance and they cover it fully for anyone who wants it done. </p>