I went to an in-network doctor who sent lab results to a third party provider. Is it possible that I will have to pay more for labs if that 3rd party isn’t in network for me?

  1. 15986 POINTS
    Bob VineyardPRO
    Founder, Georgia Medicare Plans, Atlanta,GA
    Most major medical health insurance plans do cover doctor visits and law work. Some plans will include the lab in your copay if the lab is on the premises. But if the lab work is processed offsite, your lab work may be applied toward the deductible.
    Health insurance plans that do not have copays usually cover the doctor visit and lab and these claims accrue toward your deductible.
    Answered on April 22, 2013
  2. 11773 POINTS
    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Yes, a higher cost for an outside lab network is always possible. Usually if your doctor is within your plan network, the lab they use will be as well. It never hurts to ask that any service is ran through your plan network. There usually is someone in the office that handles billing and can access information on the plan summary and plan participating entities.
    Answered on April 23, 2013
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