I recently had a cancer scare. It's OK, it didn't turn out to be cancer (as far as they can tell), but we had a tense couple of weeks until we found that out. I thought all that was behind me until I received the bill. Yes, I have the best (read "most expensive") health insurance that I can get through my employer, but they use pretzel logic and who knows what else to determine what they'll actually pay for.
In my case, I found a lump in my breast. Big lump. Painful. Obvious. So I went to the breast imaging center to have it checked out like you're supposed to do. My insurance paid for the diagnostic mammogram, which didn't detect the big obvious lump. They made me pay for the ultrasound exam that did actually verify that I had a solid mass. O-kaaaaayyyy, whatever.
Standard procedure in my case called for a core breast biopsy. Again, my insurer kinda sorta stepped up to the plate. They paid for everything involved with the actual procedure involved to obtain the necessary tissue samples from the breast lump. And then proceeded to charge me for the full cost of the pathology test. The whole point of the procedure was to obtain tumor samples to test for cancer, and they decide to pay for the extraction of the tissue but not the test?!? That makes NO SENSE at all. WTF? Do they not realize that paying for cancer treatment would FAR surpass the cost of paying for an early detection biopsy? Apparently they do not give a crap.
It wasn't all that much money out of pocket, but the principle of the thing bothers me. If something serious happens, just how much would they really pay for? Makes me wonder.