When it comes to medical expenses, it is hard to decide which services or products cost the most. Some people would say that their actual insurance premiums cost them the most, while others would say that their prescription drugs are the most expensive medical product they pay for. However, one of the most expensive services across the board is lab tests.
When you are given a doctor’s order for lab tests to be done, or if you have blood drawn in your doctor’s office to be sent to the lab, you are charged a significantly higher rate than if you ordered the tests yourself. You are paying the actual retail price for the tests, and you are also usually charged an additional fee by the doctor’s office.
Do Laboratory Tests Have to Cost So Much?
In a word, no. Some lab tests which are performed are necessary at the time of service and cannot be avoided (for example, if you are in your doctor’s office for an illness and he needs lab tests to diagnose you). However, other more routine lab tests can be performed at greatly reduced prices if you know where to look.
How Can I Receive Lower Prices?
If you are visiting our website, you probably already know that MediGap Advisors strives to help you save money on your health-related expenses. Whether it involves helping you find a Medicare Advantage plan that fits your budget or helping you decide which Medicare Supplement plan will be the least expensive for you, our main goal is to help you make health care decisions that allow you high quality care while spending the least amount possible.
Continuing in this vein, we have partnered with a service called Direct Labs to help you receive discounted services from participating labs. Membership to Direct Labs is free, and you can begin to access the benefits immediately. You can save as much as 80% on your lab tests by going through Direct Labs.
What Kinds of Lab Tests Are Available?
You can order comprehensive tests such as the Comprehensive Wellness Package, which provides information about the amount of cholesterol in your blood, whether you are risk for cardiac disease or cancer, glucose levels, and more. If you were to pay the entire expense out of your pocket for this panel, you could expect to pay well over $500. Using this service, your cost could be less than $100.
There are many other tests available, such as allergy testing, a heart health panel and even Hepatitis testing. All the results are confidential, and are provided to you quickly. The amount of time it takes to provide your results will vary depending on the type of tests.
When Can I Use This Service?
Once you have become a member of Direct Labs, you can use the discount service whenever you need to schedule a lab test. Even if your doctor has ordered specific tests done, you can explain that you are paying out of pocket and would like to use your own service; he should be accommodating and allow you to schedule your own testing.
Other people simply use this service to get a general idea of their overall health. Many physicians recommend getting a complete blood analysis done on a yearly basis, which is an ideal use of this discount program. With this information, you can find out if you have any medical issues you need to address, assess your general health, and make lifestyle changes if necessary.
Personal Stories of Direct Labs
Many of the Advisors and staff at MediGap Advisors use this program for their laboratory services, including me. I recently chose to have a Comprehensive Wellness Profile completed and saved over $400. Fred Adams, our Sales Manager of MediGap Advisors, has also used Direct Labs in the past.
Fred says, “When my doctor first saw signs of possible high cholesterol, she handed me a lab order form, told me to go to a lab, pay her $550, and schedule a follow up appointment to get my results in 2 to 3 weeks.” I told her, “No, thank you, I will order the test myself and you’ll have the results within 48 hours.” She looked at me like I was crazy, and I explained that I teach people how to save money on their health care, and this great service was one thing our company educates people about that most others do not even know exists. I went home, went to DirectLabs.com, and, after taking two minutes to set up an account, ordered the same test for $97. I had a requisition form emailed to me immediately, which I was able to print out and take to the exact same lab the doctor wanted me to go to. When ordering the test, I was even asked if I wanted to schedule an appointment. I went in five minutes before the appointment time the following morning, and the office was full of other patients, without a scheduled appointment. In less than five minutes I was in the office having blood drawn, and back on my way home to work. The next morning, I received an email telling me to log in to my account to view my results, which had also been forwarded to my doctor. I’ve had the same test done every year since, only now I do it in December, when they run a special on this test that only cost $49, less than 10% of what my doctor wanted to charge me.
Whether you have to have lab tests due to a doctor’s order or you simply want more information about your general health, we can help you receive significant discounts on a variety of different lab tests. Don’t forget, membership is free, and you can begin accessing the benefits immediately.
If you would like more information regarding this service or are ready to sign up, please visit the web page now. Or, you can contact one of the MediGap Advisors at 866-323-1441 for more information.
Wiley Long is founder and president of Medigap Advisors, and is passionate about helping people navigate the confusing waters of Medicare. He is the author of The Medicare Playbook: Designing Your Successful Health Coverage Strategy, a clear and simple explanation so you can make the most of your Medicare coverage. For more information visit www.MediGapAdvisors.com.