Billing Practices at CPA Lab
CPA Lab would like to address the most common billing questions that arise from patients and physicians. If you find that your specific question is not answered here within, please contact our billing department directly at (502)716.5587 or toll free at 1(888)750.0086.
When provided with the necessary information, CPA Lab will file a claim with your insurance carrier.
CPA Lab will accept as full payment 100% of Medicare’s allowed amount for a test. If Medicare pays less than the full amount of the allowed amount for any reason (for example, the policy only pays 80%, the co-insurance or deductible has not yet been met) you are responsible for the difference between the allowed amount and the amount paid by Medicare.
CPA Lab will accept as full payment 100% of Medicaid’s allowed amount for a test
THIRD PARTY INSURANCE CARRIER
If we have a contractual relationship with your particular insurance plan, you will be responsible for co-insurance and deductible amounts as determined by your insurance carrier. In the event that we do not participate in your plan’s network, we will accept what they determine as the reasonable and customary fee. You will be responsible for any co-insurance or deductible amounts determined by your insurance carrier.
If you have secondary insurance that supplements your primary coverage, we will file the claim with your secondary carrier when provided with the necessary information.
GENERAL BILLING INFORMATION
If CPA Lab does not have the complete or correct billing information, we will send you a bill for the full amount. If you provide us with complete and accurate insurance information, CPA Lab will then submit a bill to your insurance carrier on your behalf.
If we have already billed the insurance company and have had no response from them after a reasonable length of time, you may receive a bill form CPA Lab for charges for services rendered. This is to avoid any possible timely filing issues with your insurance carrier. CPA Lab cannot accept responsibility for collecting the insurance claim or for negotiating a settlement on a disputed claim. If warranted, CPA Lab will work with our patients to establish reasonable payment arrangements.
FREQUENTLY ASKED BILLING QUESTIONS
Why did I receive a bill from CPA Lab? Your primary physician send us specific instructions to process clinical or anatomical pathology specimens for testing to better offer patient care for diagnostic interpretation. CPA Lab will bill your insurance company directly for services rendered. Therefore, if you received a bill from CPA Lab, it is because we were asked to perform these services.
I received a bill from CPA Lab and have questions regarding the tests and their results. What should I do? CPA Lab is prohibited by law from providing any test or result information to patients without authorized signed release. Please contact your physician to receive detailed explanation of the tests ordered and results received. However if your visit was at a Norton Healthcare practice or facility you are able to see tests and results through the MYCHART online tool, please consult physician for activation procedures.
What should I do with the bill I received from CPA Lab? In most cases, if you received a bill from CPA Lab you owe a co-pay, deductible or other additional payment required by your insurance company. If you have any questions or concerns about the bill, contacting your insurance provider or referring to your insurance policy is recommended. You may have also received a bill from CPA Lab because we were either given incorrect insurance information or no insurance information was provided by your referring physician. In this case, you may have received a bill for the full amount of CPA Lab services. Please ensure that you always give your physician all the information from your insurance card prior to any procedure or visit and notify them of any changes in insurance status or address status immediately. If CPA Lab billed your insurance provider initially but did not receive a timely response from the insurance company, CPA Lab may bill you directly. Please contact the billing department in this event and ensure that we have the correct insurance billing information. Billing department can be contact at (502)716.5587 or toll free at 1(888)750.0086. If we did not initially have the correct information, we will re-submit the claim with the revised information.
I received an EOB from my insurance company. Does it require further action at this time? An Explanation of Benefits (EOB) is a notification form that is sent to an individual after their insurer processes an insurance claim for them. The EOB is a summary of the insurance company’s financial activity associated with the claim—how much of the bill was paid by the insurer, how much is owed by you, etc. The EOB is not a bill; it is an estimate of your financial responsibility for the individual claim. You are only responsible for paying CPA Lab if you receive a bill directly from CPA Lab.
What does “Reasonable and Customary” mean? The reasonable and customary fee for service is determined by your insurance company represents the prevailing fee for services in a given geographical area. This is the amount that the insurance carrier believes is appropriate payment in full for the service rendered.
I have a secondary or supplemental insurance policy. How does that affect me? CPA Lab is willing to file all secondary or supplemental insurance claims. If you receive a bill from CPA Lab and believe that a claim has not been filed with your secondary insurance, please contact the CPA Lab billing department at (502)716.5587 or toll free at 1(888)750.0086 and provide us with the appropriate information. Once we have the additional information, we will file a claim with your secondary insurance. Once again, please ensure that your physician has all of your primary and secondary insurance information prior to your procedure or office visit.
I received a bill, but I currently have no medical insurance. What should I do? As the recipient of testing services, you are responsible for the bill that has been sent to you. CPA Lab will work with you to establish reasonable payment arrangements. Please contact our billing department to arrange for payment of your bill at (502)716.5587 or toll free at 1(888)750.0086.
I received a bill from CPA Lab; however I believe I satisfied my annual deductible. What should I do? Please contact your insurance company to ensure the claim has been processed correctly according to your plan benefits. If it has not, please work with your insurance company to correct the payment of the claim.
My insurance carrier paid me directly for services CPA Lab Performed. What should I do? Please forward the check along with a copy of the EOB your insurance company sent to ATTN: Billing Department 2307 Greene Way, Louisville, KY 40220. This will allow us to properly credit your account so that you only receive a bill for the remaining patient responsibility.
Can I pay my CPA Lab bill with a credit card? Yes, it is possible to pay your CPA Lab service bill with a credit card. Please contact a billing representative at (502)716.5587 or toll free at 1(888)750.0086 and provide them with the correct credit card information. For your convenience you can also pay directly online.
Why did it take so long for me to receive a bill? In most cases, it takes at least 60 days for an insurance company to respond to CPA Lab initial claim. In some cases, not all information is provided to the insurance company and additional information is requested and needed to process the claim. In these cases, the billing cycle will be even longer than 60 days and could easily be twice as long. In every case, CPA Lab will do everything in our possible to resolve our claim with your insurance company without contacting you. Our goal is to make this process as seamless and convenient to you as possible. Due to this fact, you may not receive an initial bill from CPA Lab until we have exhausted all options—this may be four or five months after the date of your procedure.
Who should I contact if I have additional billing questions? If you have additional questions or concerns about your bill, please contact us at (502)716.5587 or toll free at 1(888)750.0086. Our billing team is available Monday through Friday from 9:00a.m. To 4:00 p.m. Please have your CPA Lab bill and your insurance information available when you contact us.