SpectraCell Laboratories, diagnostic testing services, insurance and billing

Pre-Payment – No Insurance
>>Required form – Standard Test Requisition Instructions
>>Required form – Sample Standard Test Requisition
Complete payment information – enclosed check or credit card information with signature
The healthcare provider or his/her patients may pre-pay for SpectraCell's diagnostic testing services. Payment must be enclosed with the blood specimen(s). Pre-payment discounts for each SpectraCell profile are listed in our fee schedule.

The following forms of pre-payment are acceptable: American Express, Discover, MasterCard, Visa and personal check. When pre-paying by check, please write the check number on the test request form and staple the check to the form. When pre-paying by credit card, please supply all credit card billing information listed on the form with the cardholder's signature.

Insurance Bill
>>Required form – Standard Test Requisition Instructions
>>Required form – Sample Standard Test Requisition
Complete Insurance Information
SpectraCell will file insurance claims when requested. Please mark the test requisition form and attach a copy of the front and back of the patient’s insurance card to the requisition. We accept PPO, EPO, POS and indemnity insurance.

SpectraCell will only bill patients the required co-payment amount which is based on their private insurance carrier’s usual and customary charges.

SpectraCell offers three payment options
Option 1: Advance Co-pay with Insurance:
To help offset the rising costs of healthcare, SpectraCell offers an advance payment option of a $75 Up-Front Co-Pay with Insurance.

An insured patient (non-HMO plans) may optionally elect to make a $75 co-payment in advance at the time of service. We will then file the insurance claim on the patient’s behalf, and, for the patient who has elected this option, his or her financial responsibility has now been fully satisfied. That is, we will not send a subsequent bill for any non-covered portion, patient co-pay, or patient deductible. Furthermore, we will refund any portion (of the $75 advance payment) that IS covered.

We also offer these two other standard options:

Option 2: Prompt Payment Discount
If a patient chooses not to take advantage of the Optional Advanced Co-Pay to limit his/her possible costs, and instead elects to have us bill him or her for the full patient responsible balance, we will extend a 50% discount if prompt payment is made within 20 days of our invoice (usually about a month or two after the original date of service).

Option 3: Complete Payment of Patient Portion
For patients who elect not to take advantage of either the Pre-Payment or the Prompt-Payment discount programs, we will require payment in full of any patient responsible balances in a timely manner.

Patients are responsible for co-payments and will receive an invoice from SpectraCell for the co-payment fee. In addition, patients who have not met their deductible will receive an invoice from SpectraCell.

To help determine if a healthcare provider's patients' insurance carriers reimburse for SpectraCell's test components, a Request for Pre-Determination of Insurance Benefits form, with instructions, is available by calling our billing staff (800.227.5227).

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Additional Insurance Information