PAP/ Colposcopy/Abortion: Not Medically Necessary? (CA)

I just got new health insurance in April through my work (United Healthcare PPO based in Colorado and I've always had HMO so I wasn't really sure what the difference was). I went in for my annual well-woman exam and they charged me for a bunch of testing and a PAP saying it wasn't covered because it was preventative. I then found out I needed a colposcopy and they sent me to another doctor. I went in for the colposcopy and found out I was pregnant and we decided to wait until my abortion procedure to do the colposcopy. I've gotten one before years ago and it was free with my insurance. Not a single time did they mentioned billing for this AT ALL. They just asked for my insurance info and told me they accept my insurance/ am in network. Again, zero mention of billing. They don't preauthorize apparently for PPO plans? I then get a bill for $13,000+ what the doctor is charging me ~$2K. They charged me for the colposcopy since it's an elective procedure? I was told by my doctor that I had to get it. Either that or cervical cancer so I don't see how that is elective. I'm scared to schedule my LEEP (where they have to remove part of my cervix). Please help.

Theres also a deductible which is $3,500 but what is an Individual in-network medical out of pocket and why is that $8,650? The insurance wasn't helpful, the hospital billing department isn't helpful and I keep getting passed around.

submitted by /u/Piperdreamsincolor
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