I am sitting in the radiology department reception area at Mt. Sinai Hospital waiting for my name to be called. Two weeks ago, my doctor ordered a CT scan to explore some back pain she assumed would turn out to be an ovarian cyst or a stress fracture. Instead, it turned up kidney cancer.

Now, I am about to undergo a test to map out the topography and blood flow of my kidneys, which my surgeon will use to guide him to the lesion and safely remove it. When the nurse calls my name, I head up to the check-in desk.

"I'm sorry," she says as she lowers her eyes and hands me the phone.

On the other end of the line, a woman identifies herself as a "third-party intermediary" for my insurance company. She says she is calling to inform me that the procedure I am scheduled to have in just a few minutes has been approved and the facility I have selected is in network. However, my chosen provider is more expensive than other options and may result in a higher co-payment.

"You may cancel your test and reselect a cheaper provider," she tells me.

I am stunned. Then, I ask the obvious question: "If I stay, how much will it cost me?"

Her answer is that she is not authorized to give me that information and, no, she cannot tell me the price differential between staying and going somewhere else. For that, I will have to speak to my insurance company directly.

I decide to do just that. As the nurse behind the reception desk dials the number for me, she mentions how these third-party calls have been escalating in frequency.

"What do most people do?" I ask her.

"A lot of them hang up and walk out," she says.

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Health Care: What Will You Pay?