Medical laboratory tests

Medical laboratory tests are diagnostic procedures that analyze blood, urine, or tissue samples to detect diseases such as diabetes and infections. Health insurance plans like Blue Cross Blue Shield and UnitedHealthcare typically cover medically necessary lab tests ordered by a physician.

Insurers require documentation from providers for coverage of specific tests including lipid panels and complete blood counts. Out-of-pocket costs for lab tests vary by plan; for example, patients with high-deductible plans may pay $10–$150 per test until deductibles are met.

Preventive screenings such as cholesterol checks and HIV testing are often covered at no cost under ACA-compliant policies. Insurers deny claims for experimental or non-FDA-approved laboratory tests like some genetic screenings.

Prior authorization is mandatory for advanced diagnostics such as BRCA gene analysis in most employer-sponsored health plans, https://yourinsurance.info states. Explanation of Benefits (EOB) statements list allowed amounts, insurer payments, and patient responsibility for each billed laboratory test.