Health Question

No CT Scan. Radiologist wanted me to pay $763.69 up front. Wife has Blue Cross Blue Shield and has been paying into it for over 10 yrs now and these bastards want me to shell out almost $1000 for a scan. Hell NO!!! I'll stay sick and when I end up in the E.R. then they will have to do the damn scan and I will apply for free care at that point. What the hell are we paying for insurance for when the insurance company does not cover any procedures??