[_DeadFred_]

I paid out of pocket and went directly to a dermatologist in a week, where insurance wanted me to go through my doctor (my local doctor has no appointment times) first. It was skin cancer. I ended up bypassing insurance because I was scared to wait the months navigating their system would take. But also because it was supposed to be cheaper (I price shopped) than my deductible. Guess what, when you price shop, the price they tell you has no relevance to the final price.

[vel0city]

You lived out what I had only feared. I'm sorry that happened to you, this kind of thing shouldn't happen to anyone.

> Guess what, when you price shop, the price they tell you has no relevance to the final price.

I've found they often can't realistically give any kind of useful quote. I remember getting a total cost estimate from the hospital when my second child was born, anywhere from $20k to $160k before insurance, please sign here.