@Bunkster - Do you have a High deductible health plans where you must pay the entire amount before anything is covered or just a plan with a high out of pocket? High ded plans can be challenging if you do not have money in an HSA account to cover the costs. It may be of value to speak with the billing dept where you go and see if they can work with you or have other options. It does not seem right that you cannot receive proper testing due to a high cost and your restrictions with your insurance. I hope that you can find a resolution soon. My best to you. Linda ( moderator, Bladdercancer.net team member)