If I'd been on a HMO plan and IF I could have talked my Doc into getting the full-body scan, likely the plan would have paid for the whole thing.

I have chosen the plan I have because it gives ME the choice to go outside the PPO (preferred provider organization) if I choose and still have coverage, albeit without the in-network discounts and still having to pay the 20% (up to $2,000 out-of-pocket per year, BTW, after which the insco pays it all -- That happened in the calendar year in which I started surgery/rad -- I paid $2K and the insco paid more than $30K). I have the insurance to cover the really big stuf -- $600 isn't a trivial amount until one compares it to $30K!!

For example, if going to a CCC was NOT on the insco's list of providers or within the guidelines of local HMOs, I still had the choice to go anyway and be covered after $2K out-of-pocket -- In fact, I could exercise choice to choose among ALL the US CCCs to use the best!

Things are not always what they seem to be at first!