I don't think the individual insurance will cover any pre-exisiting
condition. If they do, must be sky high price.
My father-in-law did colonscopy early this year. The regular price $1500,
cash payment $1200. I heard from insider that it could be lowered to $1k.
But this price is only for regular procedure. If he has polups cut and needs
addtional lab, the price will be higher. We were told $170 for one lab. The
other thing you have to ask is the hospital fee. We found a facility with
machines in house, so we don't have to pay hospital fee. Some doctors use
hospital's outpatient center, so there will be additional fee for that.
To me, i feel doctors are welcome cash payment. they don't have to deal with
insurance company, they get paid ahead of time. Most doctors offer cash pay
discount. Call around. Don't feel shame to ask for discount. You are the
customer, you can decide where to go.