Health Insurance Coverage & Payment FAQ

Will my insurance cover the test?

In general, most all of the testing provided by Orange County Labs is considered to be routine clinical diagnostic laboratory testing and as such, medical insurance providers have traditionally covered these services.

Many factors may affect the coverage decision to reimburse for the testing services provided by Orange County Labs, such as the patient’s diagnosis or a specific coverage determination by an insurance provider, and in these instances the testing may not be reimbursed by the insurance provider.
We believe that every eligible patient should have access to Orange County Labs testing, regardless of coverage determination by your insurance provider or your financial situation. Orange County Labs will assist patients with the following:

  •     Help determine whether your insurance plan covers the test

  •     For eligible, insured patients, bill insurance plans directly

  •     Process the claim once the test is complete, as required

  •     Direct the patient to the Orange County Labs Financial Assistance Program for qualified applicants (including uninsured and under-insured patients).

Is Orange County Labs a laboratory provider for Medicare?

Yes, Orange County Labs is a provider for Medicare and will adhere to all Medicare policies for laboratory testing for eligible Medicare beneficiaries.

Will Orange County Labs bill my insurance?

When you receive services from Orange County Labs, we submit a benefit claim to your insurance provider for reimbursement consideration.

Will my Insurance Provider pay Orange County Labs directly?

We request that your insurance provider pay Orange County Labs directly, however, in some instances they may issue payment directly to you.

What if my Insurance Provider pays me directly?

If your insurance provider pays you directly, please sign the back of the check and write “Payable to Orange County Labs” and forward the check to the address listed below and include a copy of the Explanation of Benefits (EOB) that you received along with the payment.

What if I cannot afford to pay for the testing that my doctor ordered?

Orange County Labs offers a Financial Assistance Program for qualified applicants (including uninsured and underinsured patients) that is designed to help those patients obtain Orange County Labs testing regardless of their financial situation.