"Glo health net more 100", is my health insurance policy and last weekend I had an MRI done on my rotator cuff which was included on my policy. I attended the Galway Clinic and had nothing to pay. Yes, I had checked beforehand and was assured this was the case. Myself and my wife have this insurance and pay €1016.00 each per annum. Hope this can be some help to you. By the way, every year we sit down and look at each company and buy from the company based on what we're covered for and price. We've changed companies 3 times in the last 5 years which is allowed but not everyone is doing. Your 3k charge looks very, very, expensive indeed unless it includes a few of the family.