No, your card will only be charged after your insurance company determines whether there is an amount due for your lab testing. The process usually takes 1 to 6 weeks, depending on your insurance plan. In the meantime, we will not withhold the amount you authorize and won’t charge you if no amount is due.
How to read your Quest bill
Understanding the full cost of your care is an important aspect of managing your health. Take a look at sample lab bills to make sure you know which tests were performed, how much is covered by your health insurance, and how much you owe.
Sample laboratory bills: Quest Diagnostics, AmeriPath, and Dermpath Diagnostics
Quest and insurance
To give you access to advanced testing options and trusted results, Quest partners with some of the biggest names in health insurance, like UnitedHealthcare®, Aetna®, Humana®, Cigna®, and most Anthem® and BlueCross BlueShield® plans—just to name a few.
Pay with Easy Pay™
Lab testing is a separate charge from your doctor’s visit. If you haven’t met your insurance deductible, have a copay, coinsurance, or if your insurance company doesn’t cover the cost of testing, there will be a charge.
That’s why we offer Easy Pay™. With Easy Pay, you provide a credit, debit, or health savings card during your Quest Diagnostics visit. You’ll authorize an amount based on the estimated out-of-pocket cost of your lab test—but we’ll only charge your card if there’s a patient cost after we bill your insurance company.
Frequently asked questions about Easy Pay
Quest bills your insurance company first. Your insurance company determines whether the testing is covered under your plan. Any amount not covered is your responsibility.
The amount that you are responsible for depends on your insurance. Your responsibilities typically include copays, deductibles, coinsurance, and any testing services not covered by your plan.
If your tests are fully covered, Quest will not charge the card you provided at your appointment. If your tests are not fully covered, the charge to your card will not exceed the amount you authorized. If you owe more than the amount you authorized, we’ll mail you a bill for the remaining amount.
Provide your email address during your visit and we’ll send you an electronic receipt if we need to charge your card.
No, each appointment is independent and requires you to provide a card and an authorization.
Other payment options
Payment plans
We offer payment plans which allow those who are unable to pay their full balance by the due date to make monthly installment payments. To get started, contact billing by calling 1.866.MYQUEST.
Financial Assistance
Through our Patient Assistance Program, we tailor solutions for uninsured or underinsured patients based on individual circumstances and may adjust some or all laboratory charges if you cannot afford to pay for your testing.
Self-pay without using insurance: Protect yourself against surprise medical bills
If you are not using insurance, you have the right to receive a good faith estimate explaining how much your medical care will cost.
Pay your bill
Pay in 1 of 3 convenient ways: online, by email, or with a credit, debit, or health savings card during your Quest visit.
Billing and insurance
Billing and insurance
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Understanding the cost of your care -
Insurance -
Understanding insurance terms -
Financial assistance
Make or change an appointment
It's easy to schedule or reschedule lab tests for the time and place that's most convenient for you.
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