Using your insurance
How do I use my insurance to order online?
When you begin the medical history, we will ask if you'd like to use your insurance to pay for your tests. Simply indicate yes, and have your insurance card ready to enter your insurance plan information.
Which insurance plans do you accept?We accept the following plans:
- Aetna * - Open Access (POS) / POS / PPO
- Anthem - POS / PPO
- Blue Cross Blue Shield - POS / PPO
- CareFirst - POS / PPO
- Highmark - POS / PPO
- Humana * - POS / PPO
- Premera - POS / PPO
- The Regence Group - POS / PPO
- Wellmark - POS / PPO
* APG is an out-of-network provider in regards to Aetna and Humana insurance plans. While APG does accept these insurance plans, they will be billed as out-of-network.What does this mean for me? Click to learn more about using your insurance to pay for testing
Call our Care Advisors at (855) 739-4325(855) 739-4325 6am-10pm CST, 7 days a week to confirm that your insurance plan is valid.
What does out of network mean for me?
Currently, we do not have contracts with either Aetna or Humana. However, we can submit a claim on your behalf to these insurance providers as an out-of-network provider. Using an out-of-network provider generally means that a smaller portion of the total cost will be covered, when compared to the percentage covered when using an in-network provider.
While using insurance with an out-of-network provider is normally less expensive than paying for your STD tests out of pocket, we cannot provide you with information as to what your particular plan will or will not cover. If you have any concerns or questions about your coverage, we recommend that you contact your insurance provider before setting up testing.
When I use my insurance, how much will I have to pay out-of-pocket?
After you receive your results from us, we will submit the costs of your tests to your insurance company. Your insurance company will determine exactly how much you have to pay, depending on your plan. Because reimbursement varies depending on your plan, you may be charged the amount not covered by your insurance if your insurance provider does not cover the full cost of your tests.
What have other patients with insurance paid out-of-pocket for a full panel of tests?
Our patients pay an average of $50.00 out of pocket.
Will anything be mailed to my home?
Depending on your insurance, you may receive what is called an Explanation of Benefits (EOB) in the mail from your insurance company. Every insurance company is different, but most do not list specific tests on your EOB. The statement usually contains a generic description of the services received, such as "diagnostic tests."
Signing up for paperless billing through your insurance company's website will stop paper bills from being sent to your home. Instead, you will receive an email notification when your EOB is ready to view through your insurance company's secure website.
The only time a patient receives any mail from APG Services is if there is an overdue balance on your account. In these cases, we will try to reach you by email and telephone before mailing anything to your home.
Will I need my insurance card when I go to the lab?
No. At the lab, you should not show your insurance card. Showing your insurance card at the lab may result in your insurance company being billed twice.
Are there any upfront fees for getting tested using your service?
When we complete your order by phone, we will charge a $40.00 Doctor's Fee to the credit card you provide. This non-refundable fee includes the doctor-guided test plan, a results & recommendation summary, and treatment services when appropriate.
Do you accept Medicare or Medicaid or other types of health insurance?
Currently, we only accept the plans listed above. We will continue to add new insurance plans, so please check our website or call us for the most up-date list.