Agreed it is a repetition in slightly altered words of things that I've said in prior posts, but its focus is different.
In it I'm addressing the matter of "medical necessity" & the notion that health coverage might somehow pay for diagnostic tests for PFO in an individual without any signs or symptoms of the disorder. It will not.
If dive training agencies or gov't regulations elevated such screening to the level of a routine test for all divers, HMOs/insurance plans still would not pay for it.
Even in the diver with unexplained Type II DCS, where PFO becomes a potential issue to be ruled out, almost no health coverage is going to pay for any cardiac work up in the absence of more compelling signs/symptoms.
Your statement, "Plus, there are some symptoms that can indicate that PFO is a possibility, or so the specialists tell me. Screening then might very well be covered by insurance" could be misleading. In the vast majority of those with PFO there are no symptoms. Ergo, no reimbursement.
I just wanted you & others following this thread to be aware of these facts & their implications regarding payment.
Best regards.
DocVikingo