Hi Nancy,
I did not have insurance at the time of my diagnosis. I was in the process of obtaining a policy and, quite stupidly, had a PSA test as a result of a follow up visit for a kidney stone. I was diagnosed with PCa before the insurance took effect and thus it was not covered under the pre exisiting condition clause. I must be covered for twelve months for my insurance to start picking up the costs of my PCa treatment. Given the seriousness of my situation I went ahead with the radiation and hormone treatment. I have been very fortunate as my doctors and the treatment center have all worked with me on the cost. By the time the insurance kicks in I will already have paid for everything except for three hormone shots. I am told that I will be assigned to the high risk pool and the cost of the insurance will rise dramatically.
The hospitals, testing facilities (blood and pathology) have not been as willing to reduce the costs and the anesthesiologist was at full cost. The hospitals, after much arugument and some BS from thier business agent, finally agreed to a 10% discount for cash at time of service.
If you do not have insurance and you are in the process of getting it I would stop any and all investigation of PCa until you have the insurance. This includes a PSA test. If your husband has already been diagnosed with an abnormal PSA or PCa you may be in a bit of a bind.
Best of luck to you.
Don