We understand that navigating lab testing and insurance coverage can be confusing, stressful, and sometimes frustrating. Many patients expect that medically necessary lab tests will be fully covered by their insurance, only to be surprised by bills or claim denials. We want to take a moment to explain why this happens, and what options are available to you.
 

Why Insurance Coverage Can Be Complicated

Insurance companies often control which laboratories they will reimburse, and many have exclusive agreements with specific “preferred” labs. Even if your doctor orders a test that is medically necessary and has a preferred laboratory they wish to send it to, insurance may refuse to pay if the lab performing it is not on the insurer’s approved list.

 

In addition:

• Claims can be denied for administrative reasons, not because the test lacks medical necessity. In 2023, studies showed that nearly 1 in 5 claims across commercial plans were denied, with out-of-network labs denied more than one-third of the time.
   

• Negotiated rates may not reflect the true cost of testing, leaving smaller or independent labs out-of-network and limiting patient choice.
   

• Large insurers sometimes rely on high-volume national labs (like LabCorp or Quest), which must process thousands of samples and often face delays, lost specimens, or reporting outside the necessary timeframe.

“Insurance networks and claim rules can make testing feel more like a barrier than a service. That’s why we focus on transparency and patient choice.”

 

Your Options: Affordable, Transparent Self-Pay

To make testing accessible and predictable, we offer affordable self-pay pricing. Because all of our testing is performed in-house, locally, we can provide:

• Lower prices than national lab chains

• Faster turnaround times

• Greater accuracy and reliability
   

If you choose to pay out-of-pocket, we will provide a superbill containing everything your insurance company needs to process a claim. This includes:

• CPT codes for all tests performed

• Diagnosis codes

• Our provider identifiers (NPIs)

• Itemized charges and documentation
   

We are happy to assist you with any additional paperwork or information your insurer may request. Even if the claim is initially denied, we can provide supporting documentation to help you appeal.
 

“We want you to have control over your care — and the ability to submit claims to your insurance if you wish.”
 

Why Our Lab is Different

Unlike large national laboratories:

• Everything is processed locally, in-house, giving us control over quality and timing

• We avoid unnecessary shipping, which reduces risk of lost or misreported samples

• Our focus is on patient-centered service, not volume
   

This means you get your results faster, accurately, and at a fraction of the cost.
 

We Are Here to Help

We understand this situation is not your fault, and it’s not your choice. Insurance networks, coverage rules, and reimbursement policies are complex — even for providers.
 

Our commitment is simple:

• Provide high-quality testing you can trust

• Offer transparent, affordable pricing

• Support you in navigating insurance reimbursement whenever possible

“With self-pay options and superbill support, you can access the testing you need without unnecessary delays or surprises.”
 

Take Action Today

We make it simple to access testing services on your terms:

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If you have questions or need guidance about insurance or billing, please contact our team — we are happy to walk you through every step.

 

With care,



The Team at Clinical Diagnostic Laboratories

The Team at Clinical Diagnostic Laboratories