IF YOU HAVE HEALTHCARE INSURANCE COVERAGE, YOU WILL RECEIVE OUR WELCOME LETTER

Vibrant America will notify you we have submitted a claim to your insurance company on your behalf for reimbursement.

If Vibrant America is not contracted with your insurance carrier as an in-network laboratory provider, Vibrant America will still submit a claim to your insurance carrier and make every effort to obtain reimbursement for services is provided.

IMPORTANT NOTICE: Vibrant America will bill patients for the amount designated by their insurance plan as the patient’s responsibility. In some cases, your healthcare insurance provider may send the payment for services directly to you. If so, it is your responsibility to sign the back of the check and write “Pay to Vibrant America” and forward payment directly with a copy of the Explanation of Benefits (EOB) to the address below:

Vibrant America – Attn:Billing – 1021 Howard Ave, Suite B, San Carlos, CA 94070

EXPLANATION OF BENEFITS (EOB)

Upon the completion of your claim processing, your health insurance carrier will send you and Explanation of Benefits (EOB). The EOB will itemize your recent healthcare services, along with the charges and payments made by your insurance healthcare plan.

Below is an “example” of an EOB that you may receive. Please be aware that this EOB is a statement of payment and not a bill. You are not expected to make any payment based on the receipt of the EOB.

EOB
Explanation
1

Name of the main person (subscriber) for your health insurance policy.

2

Summary of patient information. We may ask for your claim number if you contact us by phone.

3

The EOB is not a bill or a request for payment. You will receive a separate bill from your provider for any amounts you may be responsible to pay.

4

Provider Name:
The name of the provider or facility that provided health care services

5

Service Date:
The date(s) you received a health care service from this provider or facility.

6

Type of Service:
A general description of the service(s) you received.

7

Amount Charged:
The amount your provider has billed your health insurance for each service.

8

Amount Allowed:
The amount that your health insurance allows for each service billed.

9

Amount Not Covered:
The portion of the claim that is not covered by your health insurance.

10

Remarks:
Additional messages that may explain how your claim was processed in a footnote below.

11

Deductible:
Based on your claim and specific benefit coverage, this is the amount that has been applied to your deductible.

12

CoPay/CoInsurance:
This is the copay or coinsurance amount you must pay, after your deductible has been applied. Copay is a fixed dollar amount, coinsurance is a percentage of the allowed amount.

13

Amount Paid:
The amount your health insurance will pay the provider for services you received.

14

Member Responsibility:
The amount you owe the provider. Your provider will bill you separately. Do not send money to Insurance Company.

15

These boxes will display any amounts applied to your deductible and/or out-of-pocket maximum. This information varies by plan type and may not appear on all EOBs.

16

How to contact Customer Service if you have questions. Have your claim number available.

Learn more about billing

How it works

Learn about Vibrant America’s billing policy procedure and basic insurance terminology.

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Before ordering

Learn about what we need, what affects your final cost and available payment options.

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After ordering

Learn about what you will receive from us, and from your insurance provider.

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Invoice and payment

Understand your bill, how to pay and available payment options.

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