Reesha Ahmed was on cloud 9.

It was January and Ahmed was at an OB-GYN’s workplace close to her dwelling in Venus, Texas, for her first prenatal checkup. After an ultrasound, getting anti-nausea remedy, and discussing her being pregnant care plan, she mentioned, a nurse made a handy suggestion: Head to the lab simply down the corridor for the standard panel of checks.

The lab was inside Texas Well being Hospital Mansfield, which opened in December 2020 in a Dallas-Fort Price suburb. Ahmed, simply eight weeks pregnant, mentioned the physician informed her the whole lot concerning the go to was routine. “Nothing actually stood out,” Ahmed mentioned. “And, in fact, there’s simply plenty of pleasure, and so I actually didn’t suppose twice about something.”

Her blood checks checked for a number of sexually transmitted infections, her blood kind, and varied hormones. Inside days, Ahmed started bleeding and her pleasure turned to worry. A repeat ultrasound in early February confirmed no fetus.

“My coronary heart sort of fell aside at that second as a result of I knew precisely what that meant,” she mentioned. She would have a miscarriage.

Then the payments got here.

The Affected person: Reesha Ahmed, 32, has an Anthem Blue Cross and Blue Protect coverage via her employer.

Medical Companies: An evaluation of Pap smear outcomes and several other blood checks in tandem with Ahmed’s preliminary prenatal go to, together with full blood rely, blood kind, and testing for STIs resembling hepatitis B, syphilis, and HIV.

Service Supplier: Ahmed received her checks at Texas Well being Mansfield, a tax-exempt hospital collectively operated by Texas Well being Assets, a faith-based nonprofit well being system, and AdventHealth, one other spiritual nonprofit.

Whole Invoice: The hospital charged $9,520.02 for the blood checks and pathology providers. The insurer negotiated that all the way down to $6,700.50 after which paid $4,310.38, leaving Ahmed with a lab invoice of $2,390.12.

What Offers: Ahmed’s scenario reveals how hospital-based labs usually cost excessive costs for checks. Even when suppliers are in community, a affected person might be on the hook for 1000’s of {dollars} for frequent blood checks which are far cheaper in different settings. Analysis exhibits hospitals sometimes cost rather more than physicians’ places of work or impartial industrial labs for a similar checks.

The scenario was notably tough for Ahmed as a result of she had misplaced the being pregnant.

“To come back to phrases with it mentally, emotionally, bodily — coping with the ramifications of the miscarriage — after which having to muster up the combating energy to then begin calling your insurance coverage, and the billing division, the supplier’s workplace, making an attempt to battle again a invoice that you just don’t really feel such as you have been appropriately despatched? It’s simply, it’s loads,” she mentioned.

In Texas, the identical lab checks have been at the least six occasions as costly in a hospital as in a physician’s workplace, in response to analysis from the Well being Care Price Institute, a nonprofit that examines well being spending.

The markup might be even larger relying on the take a look at. HCCI information, primarily based on 2019 costs, exhibits the median value for a whole blood rely in Texas was $6.34 at an impartial lab and $58.22 at a hospital. Texas Well being charged Ahmed $206.69 for that take a look at alone.

“It’s handy to get your lab carried out proper in the identical constructing,” mentioned Jessica Chang, a senior researcher at HCCI, however “many sufferers usually are not fascinated with how extremely marked up these lab checks are.” Chang mentioned she suspects many hospitals tack on their overhead prices after they invoice insurance coverage.

Anthem additionally charged Ahmed for at the least 4 checks that almost all insurance policy would contemplate preventive care and due to this fact lined for free of charge to sufferers underneath the Inexpensive Care Act’s necessities for protecting preventive care, which incorporates elements of prenatal care. Her EOBs, or “rationalization of advantages” notices, present she paid out-of-pocket for a take a look at figuring out her Rh issue — which detects a protein on the floor of pink blood cells — in addition to for checks for hepatitis B, hepatitis C, and syphilis.

Requested to evaluate Ahmed’s checks, Anthem spokesperson Emily Snooks wrote in an e mail to KFF Well being Information that the claims “have been submitted as diagnostic — not preventive — and have been paid in response to the advantages within the member’s well being plan.”

There “positively shouldn’t be” out-of-pocket prices for these screenings, mentioned Sabrina Corlette, co-director of Georgetown College’s Heart on Well being Insurance coverage Reforms.

The Facilities for Illness Management and Prevention recommends screening pregnant sufferers for a number of infectious illnesses that pose main dangers throughout being pregnant. Ina Park, a professor of household group medication on the College of California-San Francisco and an professional on STIs, mentioned the checks Ahmed acquired didn’t increase pink flags from a medical perspective. “It’s actually extra what the precise lab charged primarily based on what the checks really value,” Park mentioned. “It is a actually exorbitant value.”

For instance, Ahmed paid $71.86 in coinsurance for a hepatitis B take a look at for which the hospital charged $418.55. The hospital charged $295.52 to display screen for syphilis; her out-of-pocket value was $50.74.

“You simply surprise, is the insurance coverage firm actually negotiating with this supplier as aggressively as they need to to maintain the reimbursement to an inexpensive quantity?” Corlette mentioned.

The Decision: Ahmed refused to pay the payments and Texas Well being despatched the debt to collections. When she tried to get solutions concerning the prices, she mentioned she was bounced between the physician’s workplace and the hospital billing division. Ahmed submitted a criticism to the Texas legal professional normal’s workplace, which handed it to the Texas Well being and Human Companies Fee. She by no means heard again.

In keeping with Ahmed, a hospital consultant steered her bloodwork might need been coded incorrectly and agreed the costs “have been actually unusually excessive,” Ahmed mentioned, however she was informed there was nothing the hospital might do to vary it. The hospital didn’t touch upon the rationale behind the excessive cost. And in a March 7 e mail, an AdventHealth worker informed Ahmed the physician’s workplace had “no management” over the hospital’s billing.

Ahmed filed an enchantment with Anthem, however it was denied. The insurance coverage firm said the claims have been processed appropriately underneath her advantages, which cowl 80% of what the insurer agrees to pay for in-network lab providers after she meets her deductible. Ahmed has a $1,400 deductible and a $4,600 out-of-pocket most for in-network suppliers.

“We rely on well being care suppliers to submit correct billing info relating to what medical care was wanted and delivered,” Snooks mentioned. Requested about reimbursements to the Texas Well being lab, she added, “The declare was reimbursed primarily based on the laboratory’s contract with the well being plan.”

After a KFF Well being Information reporter contacted Texas Well being on Oct. 9, the hospital known as Ahmed on Oct. 10 and mentioned it will zero out her payments and take away the costs from collections. Ahmed was relieved, “like a large burden’s simply been lifted off my shoulders.”

“It’s simply been combating this for 10 months now, and it’s lastly gone,” she mentioned.

Texas Well being Assets and AdventHealth declined to answer detailed questions on Ahmed’s expenses and the checks she was directed to acquire.

“We’re sorry Ms. Ahmed didn’t get readability on her care with us. Our prime precedence is to supply our sufferers with protected, efficient and medically applicable care,” Laura Shea, a spokesperson for the hospital, mentioned in an emailed assertion.

The Takeaway: Ahmed’s downside demonstrates the pitfalls of utilizing a hospital lab for routine testing.

For normal bloodwork “it’s actually arduous to argue that there’s a top quality distinction” between impartial labs and hospitals that may warrant larger costs, Chang mentioned. That holds true for different providers, too, like imaging. “There’s nothing particular concerning the machines that hospitals use for a CT or MRI scan. It’s the identical machine.”

Broadly, state and federal lawmakers are taking note of this problem. Congress is contemplating laws that may equalize funds for sure providers no matter whether or not they’re offered in a hospital outpatient division or a physician’s workplace, though not lab providers. Hospitals have tried to fend off such a coverage, often known as “site-neutral funds.”

For instance, the Decrease Prices, Extra Transparency Act would require the identical costs underneath Medicare for physician-administered medication no matter whether or not they’re given in a physician’s workplace or an off-campus hospital outpatient division. That invoice additionally would require labs to make public the costs they cost Medicare for checks. One other invoice, the Bipartisan Major Care and Well being Workforce Act, would ban hospitals from charging industrial well being plans some facility charges — which they use to cowl working or administrative bills.

In keeping with the Nationwide Convention of State Legislatures, Colorado, Connecticut, Ohio, New York, and Texas have restricted suppliers’ skill to cost privately insured sufferers facility charges for sure providers. Colorado, Connecticut, Maryland, and New York require well being amenities to reveal facility charges to sufferers earlier than offering care; Florida instituted related necessities for free-standing emergency departments.

Sufferers ought to maintain copies of itemized payments and insurance coverage statements. Whereas not the one proof, these paperwork may also help sufferers keep away from out-of-pocket prices for really helpful preventive screenings.

For now, sufferers can proactively keep away from such excessive payments: When your physician says you want blood checks, ask that the requisition be despatched to a industrial lab like Labcorp or Quest Diagnostics that’s in your community and have the checks carried out there. If they’ll’t do it electronically, ask for a paper requisition.

“Don’t all the time simply go to the lab that your physician recommends to you,” Corlette mentioned.

Stephanie O’Neill reported the audio story.

Invoice of the Month is a crowdsourced investigation by KFF Well being Information and NPR that dissects and explains medical payments. Do you could have an fascinating medical invoice you wish to share with us? Inform us about it!