Insurance and Reimbursement Policy Explanation

At LabReqs.com, we operate on a direct-pay model and do not accept health insurance or assist with filing insurance claims or reimbursement. This policy is in place for several important reasons:

1. Privacy and Confidentiality
   By not billing insurance, your test results are not reported to your insurance provider or added to your permanent medical record. This allows you greater control over your health information and supports a more private testing experience.

2. Transparent and Competitive Pricing
   Our self-pay structure enables us to offer affordable, upfront pricing without the hidden costs or administrative fees often associated with insurance billing. This approach makes laboratory testing more accessible to individuals and organizations alike.

3. Insurance Requirements and Medical Necessity
   Insurance providers often require proof that lab tests are medically necessary in order to approve coverage or reimbursement. This typically involves a physician’s diagnosis, referral, and specific documentation such as CPT or ICD-9 codes. As an online service provider, LabReqs.com does not offer medical consultations, diagnostic assessments, or any documentation needed to demonstrate medical necessity. Therefore, we cannot fulfill the requirements that many insurers mandate for reimbursement.

4. Administrative Limitations
   In addition to medical necessity, insurance companies may request tax identification numbers or other claim-specific information, which LabReqs.com does not provide. For this reason, we are unable to support or facilitate the insurance reimbursement process in any form.

5. Convenience Without Insurance Preapproval
   Since our services do not involve insurance approval, you can order tests quickly and conveniently. After purchasing your test online, you may visit any of the 1,700+ LabCorp or 2,400+ Quest Diagnostics patient service centers nationwide. Our system also allows access to over 3,000 additional occupational clinic providers when needed.

While we cannot process insurance claims, we do accept Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) for payment, as long as your plan permits.

We encourage you to reach out to our support team with any questions. Our goal is to provide clear, simple, and accessible lab testing without the complications of insurance billing.

Insurance and Reimbursements

LabReqs.com / Schooltiters.com orders are only for individuals who want to pay directly for testing and do not want to seek reimbursement from their insurance carrier or the government.  Services purchased under or through solely your or your organizations financial responsibility. 

In order to file insurance, insurance companies will requests diagnosis codes from us(the ordering provider). In certain instances, they will also want an explanation or valid reason why the test ordered and affidavits of medical necessity.  This information can't be provided. If you have a HSA account or Flexible spending accounts you can submit for reimbursement but we will not assist in any reimbursement of lab expenses ordered through our sites. If filing insurance for test you must go through your own provider. 

LabsReqs.com Does Not Accept Health Insurance or file claims

We offer great cash prices for our services . We are able to prevent your testing from being reported to your insurance company and your results from being placed on your medical record by not accepting health insurance as a payment method. Instead, we accept numerous other payment forms for your convenience including: credit and debit cards, prepaid gift cards bearing the Visa, MasterCard, Discover, or American Express logo, PayPal, Apple Pay, Amazon pay and health savings accounts (HSAs). You understand that LabReqs.com is unable to provide CPT or ICD9 codes or tax identification numbers for billing purposes. After services are complete, we do not store your personal or financial information.  

 

Will you need insurance approval?

No. Since you pay for your tests directly, you don't have to hassle with insurance approval.  You understand that LabReqs.com  is unable to provide CPT or ICD9 codes or tax identification numbers for billing purposes. We accept credit and debit cards, including American Express, Diner's Club, Mastercard and Visa. A charge on your credit card will appear from “Picmed Wellness” to bill for services rendered.