#41 ·
Scott Allen10 said:Look, I’m not saying I’m 100% right—honestly, I might be totally off base here—but I figured I’d jump back into the conversation because, from where I'm sitting, the answer is... well... it's pretty multi-layered. I kind of cringed a little thinking about those laboratory loopholes, but here’s my take:
- Local clinic labs can really only run the specific tests they have contracts for under Medicare (primary care). We're talking basic stuff like a CBC, standard biochemistry, some clotting factors, and things like that which are covered by basic insurance. There might be a few extras where you have to chip in a small co-pay, like a CRP or a lipid panel. Basically, the Social Security Administration covers the basics plus a few extras if you pay the difference. So, you swing by your doctor because you've got a cough and a fever, they order a CBC and a CRP, you get the results the same day, and everything stays within the realm of primary care.
- Depending on their equipment, those same clinics could definitely run more advanced tests, but you'd likely be footing the full bill for those. It would go something like this: you show up feeling under the weather, the doctor says, "Okay, let's do a CBC and a CRP... we probably should check your PCT too, but you'd usually need to head to a hospital for that. However, if you want our lab to do it right now, you'll have to pay out of pocket at the full rate."
- A clinic lab might be capable of handling complex testing, but since those aren't part of their official contract with the Social Security Administration, the government isn't picking up the tab, so you're paying the whole thing.
- Now, a big hospital lab generally won't bother with that basic stuff mentioned above. They won't, mainly because there's no way for them to bill for it if the patient isn't actually an inpatient or seeing a specialist there—they just showed up with a referral for basic bloodwork. Plus, as far as I know, most primary care software doesn't even allow a family doctor to send a referral for basic routine labs directly to a hospital lab anyway.
- On the flip side, a hospital lab will happily draw blood for any tests requested via an internal referral by a specialist working within the hospital. For instance, if someone goes in to see an internist and that specialist orders certain tests as part of the exam—doesn't matter if it's basic or advanced—they can do it all.
- Hospital labs also handle anything covered by the Social Security Administration for tertiary care that a primary doctor requests through a specialist referral. So, if a specialist tells you to get some tumor markers or immunology tests done before your next follow-up, you get that referral from your doctor, go to the hospital lab, and they run everything you need... though you might end up with a bit of a co-pay.
Man, look at these sentences... I can barely even make sense of what I'm trying to say myself...😍...
In principle, that's the long and short of it! 😁