help detect heart disease early. In this article, we’ll explore what a calcium score test is, why it might not be covered by insurance, whether you need a referral, and if it’s worth getting. Let’s dive in!
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What is a Calcium Score Test?
A calcium score test, also known as a coronary calcium scan, is a special X-ray that checks for calcium buildup in the walls of your heart’s arteries. This calcium can be a sign of coronary artery disease, which is a leading cause of heart attacks. The test gives you a calcium score, which helps doctors understand your risk of heart problems. The higher your score, the higher your risk .
How Much Does a Cardiac Calcium Score Test Cost?
The cost of a calcium score test can vary quite a bit depending on where you get it done. Typically, you can expect to pay between $100 and $400 according to Cigna. Some medical centers might offer it for less, while others might charge more. It’s always a good idea to check with the facility beforehand to know exactly how much you’ll need to pay.
Why Are Calcium Scores Not Covered by Insurance?
One big question is why these tests aren’t always covered by insurance, including Medicare. The main reason is that calcium score tests are often considered “screening” tests rather than necessary medical procedures. Insurance companies, including Medicare, sometimes don’t cover screening tests because they are done to check for potential issues rather than to diagnose or treat a known problem .
Insurance usually covers tests and treatments that are deemed medically necessary. Since a calcium score test is typically used for screening purposes, it falls outside of this category for many insurance plans. However, this might change in the future as more research highlights the importance of early detection of heart disease.
Do You Need a Referral for a Calcium Score Test?
The need for a referral depends on where you are getting the test done. In many cases, you don’t need a referral from your doctor according to Mayo Clinic. Some medical centers allow you to schedule the test directly, especially if they advertise it as a part of a heart health screening package. However, it’s always a good idea to talk to your doctor before getting any medical test. They can help you understand if the test is right for you and how to interpret the results.
How Much Does Medicare Pay for a Calcium Score Test?
Currently, Medicare does not cover the cost of a calcium score test. This means if you have Medicare, you will likely have to pay the full cost out of pocket. As mentioned earlier, this cost can range from $100 to $400 .
Even though Medicare doesn’t cover the test now, it’s still worth discussing with your doctor. They can provide other options for monitoring your heart health that might be covered by Medicare.
Is It Worth Getting a Calcium Score Test?
Deciding whether to get a calcium score test can depend on several factors, including your age, health, and family history of heart disease. Here are some points to consider:
- Early Detection: The calcium score test can help detect heart disease before you have any symptoms. This early detection can be crucial in preventing more serious problems down the road .
- Risk Assessment: If you have risk factors for heart disease, such as high blood pressure, high cholesterol, smoking, or a family history of heart disease, this test can give you and your doctor valuable information about your heart health .
- Peace of Mind: For some people, knowing their calcium score can provide peace of mind. If the test shows a low score, it can be reassuring. If it shows a high score, you can take steps to improve your heart health with your doctor’s guidance.
However, it’s also important to consider that the test involves exposure to a small amount of radiation. While the risk from this radiation is generally low, it’s something to keep in mind, especially if you need multiple tests.
Conclusion
A calcium score test can be a valuable tool in understanding your heart health and preventing heart disease. While it’s not currently covered by Medicare and can cost between $100 and $400, it might still be worth considering, especially if you have risk factors for heart disease. Always talk to your doctor before deciding on any medical test to ensure it’s the right choice for you.
Understanding your heart health is important, and a calcium score test is one way to gain insight into it. Whether or not Medicare covers it, your health is always worth investing in.
Contact The Mair Agency Today!
At The Mair Agency, we’re here to help you navigate the complexities of Medicare with ease. Our experienced team is dedicated to guiding you through every step of the process, ensuring you find the best coverage for your needs. Conveniently located in North Carolina, we offer personalized service and expert advice to make your Medicare journey as smooth as possible. Don’t face the Medicare maze alone—reach out to The Mair Agency today and let us provide the support and answers you need. Your health and peace of mind are our top priorities.
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