General Billing Information

When provided with all necessary information, CPA Lab will file a claim with your insurance carrier. 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 from CPA Lab for charges for services rendered. This is done 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.

Medicare

CPA Lab will accept as full payment 100 percent 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 pays only 80 percent, 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.

Medicaid

CPA Lab will accept as full payment 100 percent of Medicaid’s allowed amount for a test.

Third-party Insurance Carrier

If we have a contractual relationship with your insurance plan, you will be responsible for co-insurance and deductible amounts as determined by your insurance carrier. If 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.

Secondary Insurance

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.

Frequently Asked Questions

Listed below are answers to the most common billing questions CPA Lab receives from patients and providers. If your specific question is not addressed below, call our Billing Department at (502) 716-5587, or (888) 750-0086 toll-free.

Why Did I Receive a Bill From CPA Lab?

Your primary care physician or other health care provider sent 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. If you received a bill from CPA Lab, it is because we were asked to perform these services.

What Should I Do With the Bill I Received From CPA Lab?

• In most cases, if you received a bill from CPA Lab, it is because you owe a copay, deductible or other additional payment required by your insurance company. If you have any questions or concerns about the bill, check your insurance policy or call your insurance company.
• You may have received a bill for the full amount of CPA Lab services because your referring health care provider gave us incorrect insurance information or no insurance information. Be sure to always give your health care provider all the information from your insurance card prior to any procedure or visit. If your insurance status or address changes, immediately notify your health care provider.
• CPA Lab may bill you directly if we billed your insurance provider but did not receive a timely response.
• If you determine that you do not owe a copay, deductible or other additional payment required by your insurance company, call our Billing Department at (502) 716-5587, or (888) 750-0086 toll-free to ensure that we have the correct insurance billing information. Once we have the correct information, we will resubmit the claim to your insurance company.

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 information about tests or results to patients without an authorized signed release. Please contact your health care provider to receive a detailed explanation of the tests ordered and the results received. If your visit was at a Norton Healthcare practice or facility, you will be able to see your tests and results through your MyNortonChart account.

I Received an EOB from My Insurance company. Does it Require Further Action?

An Explanation of Benefits (EOB) statement is a notification form that is sent to you after your insurance company processes a claim for you. The EOB is a summary of the insurance company’s financial activity associated with the claim. For example, it shows how much of the bill the insurance company paid and how much you owe. The EOB is not a bill; it is an estimate of your financial responsibility for the individual claim. You are responsible for paying CPA Lab only if you receive a bill directly from CPA Lab.

What Does “Reasonable and Customary” Mean?

The “reasonable and customary fee” for a service is determined by your insurance company. It represents the prevailing fee for services in a given geographical area. This is the amount that the insurance company 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, call the CPA Lab Billing Department at (502) 716-5587 or (888) 750-0086 toll-free and give us the appropriate information. Once we have the additional information, we will file a claim with your secondary insurance. You can prevent delays in filing with your secondary insurance by making sue your health care provider has all of your primary and secondary insurance information before your procedure or office visit.

I Received a Bill From CPA Lab, but I Believe I Satisfied My Annual Deductible and My Insurance Should Cover the Services. What Should I Do?

Contact your insurance company to be sure the claim has been processed correctly according to your plan benefits. If it has not been processed correctly, you will need to work with your insurance company to correct the payment for the claim.

My Insurance Carrier Paid Me Directly for Services CPA Lab Performed. What Should I Do?

Send us the check along with a copy of the Explanation of Benefits (EOB) statement your insurance company sent to you. Mail the check and EOB to CPA Lab, Attn: Billing Department, 2307 Greene Way, Louisville, KY 40220. This will allow us to properly credit your account so you will receive a bill only for the remaining patient responsibility.

Can I Pay My CPA Lab Bill With a Credit Card?

Yes, you may pay your CPA Lab service bill with a credit card online or by phone. To pay by phone, call our Billing Department at (502) 716-5587, or (888) 750-0086 toll-free and give your credit card information to a billing representative.

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 a CPA Lab initial claim. Sometimes the insurance company requires additional information to process the claim, in which case the billing cycle will be longer than 60 days and could easily take twice as long. CPA Lab will do everything possible to resolve our claim with your insurance company before contacting you. Our goal is to make this process as seamless and convenient for you as possible. For this reason, you may not receive an initial bill from CPA Lab until we have exhausted all options, which 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, call our Billing Department at (502) 716-5587, or (888) 750-0086  toll-free. Our billing team is available Monday through Friday, 9 a.m. to 4 p.m. Please have your CPA Lab bill and your insurance information available when you call.