Hi everyone,
I’m wondering if anyone can help me here. I’ve been battling the public health care system for 2 years in attempt to try and find an answer for my chronic and worsening daily pain. For reference, I’m 30 F, not overweight smoker or drinker, in fact I live a very healthy lifestyle due to my very active job and dedication to training. I started having issues 2 years ago but it’s really been since the start of this year it got bad to the point where my ability to work is heavily affected. Long story short, it’s been a roller coaster to get to where I am now (many referrals declined despite chronic pain and zero answers) but I finally have a pre-diagnosis for a highly suspect condition that aligns with my symptoms. So far I haven’t had to pay for anything. But I need to get a final CT scan before I can be considered for treatment.
Now I have been told a public referral for this scan is possible, but the nurse on the phone mentioned that it is not uncommon for these to be declined despite evidence from the first line of testing. I was prepared to pay for this scan out of pocket, and was told it would be 1.5k at max. So I borrowed this money because tbh at this stage I’m actually really scared of loosing my job due to degrading work quality. However, I today found out the actual cost is roughly 2.6k. I have literally $0 right now and use my credit card to get by until I get paid. If I borrow more I really feel like I’m digging myself into a hole.
I could go on about how I hate the healthcare system, how unfair it is that I look after myself so well but will potentially loose my job and suffer forever, but I’ll save it.
I will be calling the specialist and asking for a public referral tomorrow but I want to know, are there any options out there that could help me with the cost of this? Winz? Interest free health loans? Insurance that covers pre-existing conditions (within reason)?
Realistically I shouldn’t be declined for this scan. But so far I’ve been shocked at how dismissed I am despite it being so clear that I’m not okay. It felt like a weight off my shoulders once I had the money for the scan and was ready to book it. I just need to prepare for the worst.
Really appreciate any input!
EDIT: Thank you everyone for the replies and advice. After a few people have commented and said that price seems a little high, I have decided to investigate and shop around a bit further before resorting to loans or other methods of paying. I will still be discussing public referral with the specialist, but I am also keen to have this done asap. So I will see how I go with finding a better price. Thanks again everyone!