Unfortunately most Doctors don't care or even consider you financial needs. They don't look at you as a "whole" just the one problem that you have and they can fix or work on! That is it! Unfortunate as that is, it is the way it is! There are some valid reaons that they can give for wanting up to date test, and they are right for wanting that, but there is also much more to consider, about you and that they usually don't do!
I am not going to say I feel your pain on this, as I have complete full medical insurance coverage, so I know, that I really don't know what you are going through, payment and insurance wise! But I can imagine, and I do know the medical system, and even though I can't empathize with you, I do sympathize with you!
Sometimes I wish the rules wern't so Black and White, and they had more room for some exceptions! Such as yours, and also PALady and some others! But that is just my wish!
Good Luck to You
Moderator Chronic Pain
I'm Retired USAF, went back to school and became an RN, and now am on full disalbility!--Degenerative Disc (affecting mostly the thorasic disc but all levels involved), C6/7 laminectomy/diskectomy& fusion, Osteoarthritis, Ulcerative colitis, Chronic Pain, Fibromyalgia, Complex Sleep Apnea, and host of other things to spice up my life!(NOT!) Medications: Oxycontin, Percocet, Baclofen, Sulfasalazine, Metoprolol, Folic Acid, Supplemental O2 at 3lpm with VPAP Adapt SV