Labs often charge insurance companies a much higher rate than they charge individual patients. (A typical discount is over 90%!) It is the law that if the lab charges your insurance company, they cannot later charge you a different rate. It is best to know your coverage ahead of time. If the test is through Genova, see (see https://www.gdx.net/patients/billing-and-payments/insurance) regarding coverage.
- Always find out ahead of time what the lab will charge (this should be done by a phone call to the lab’s billing department).
- You may ask for a cash rate. Many labs offer a discount if paid in cash.
- Depending upon the tests, there are some online self-order laboratories that can be comparatively inexpensive.
- http://selfpaypatient.com/selfpayhealthcaremarket may be helpful to you in finding resources, including various share plans.