Here is something I have been thinking a lot about. As a pregnant woman, I do not have to have every test created for pregnant women. Since I am paying the bill, I only want to pay for tests that I think are needed.
When I had full coverage insurance I didn't care what the tests were or what they cost. I now ask the nurse or doctor questions.What is the purpose of the test? Is it required by the state? Do you recommend it for me? I have refused the cysystic fibrosis and HIV Test (because I have already been tested with each of the other pregnancies, am not a drug user, and am faithful to my husband).
I also am not interested in having any blood work to detect chromosomal abnormalities or having an amniocentesis. I will not be aborting my baby, therefore these tests are not needed. I am interested in paying for sonograms to check on my baby's developmental progress, to look for anything unusual, and to find out the sex of the baby. So to me, these are worth the cost.
So be a savvy shopper! Do your homework and don't pay for tests you don't want or need.
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