Check Your Policy: Review your insurance policy for lab cost details like deductibles and coverage limits.
Find Contact Info: Look on your insurance card or policy documents for contact info, such as phone numbers, emails, or websites.
Prepare Information: Gather your policy number and personal details
Contact Customer Service:
- Phone: Call and expect an automated system before speaking to a rep.
- Online Portal: Use the insurer’s portal if available.
- Email: Send all necessary info to the billing department.
Ask Questions: Inquire about lab costs for your specific care, like PrEP, HIV care, or gender care. You can ask the following based on the care you’re receiving:
- I’m on PrEP for HIV prevention, will you cover my required work?
- I am living with HIV and receive HIV care, will you cover my required work?
- I receive gender care and Hormone Replacement Therapy (HRT), will you cover my required work?
Take Notes: Record rep’s name, contact, and reference number for future reference.
Review and Verify: Carefully review gathered info to understand your coverage and costs.
Follow Up: If more questions arise, don’t hesitate to contact your insurance company.
