Using Insurance for STD Testing
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.
Do all labs accept insurance?
When selecting a lab for testing, we make it easy to understand which labs accept insurance and which do not. Have additional questions? Contact one of our trained Care Advisors for assistance.
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
- Cigna - 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 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 (877) 457-3082 M-F 6a-9p | Sat 7a-9p | Sun 9a-9p CST to confirm that your insurance plan is valid.
What does out of network mean for me?
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. You will be charged immediately for the amount not covered by your insurance if your insurance provider does not cover the full costs of your tests.
How much will I need to pay out-of-pocket?
Your out-of-pocket cost depends on your plan. After you receive your results from us, we submit the cost of your tests to your insurance company. Based on your plan, your health insurance company will determine what you need to pay, if anything. You will be charged immediately for the amount not covered by your insurance if your insurance provider does not cover the full costs of your tests. Sometimes, patients only need to pay the $65.00 upfront fee (see above) for their STD 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 $65.00 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 do not accept Medicare or Medicaid. In the event that you submit insurance information supported by Medicare or Medicaid, that payment will not be accepted and you will be responsible for paying the amount in full.