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Insurance plans are confusing.
Unless you have read your plan handbook from cover to cover it's not always clear what your plan will cover.
And if you happen to be seen for a condition your insurance does not cover then you are responsible for the bill.
Here are the things that usually are a surprise to patients:
Vasectomies: many plans will not pay for vasectomies at all
(But please don't resort to doing it yourself...)
ED: This is often not covered
A routine check up including a prostate exam and PSA from a urologist (considered a specialist) may not be covered.
How do you avoid getting caught in this trap?
Call your insurance company and ASK specifically if they cover the service and if so, what is your responsibility for the bill. If you have not yet met your deductible you may be responsible for the whole cost.
