HOW IT WORKS

Vibrant America is dedicated to delivering clinically relevant tests at a rapid pace to enable affordable high-quality diagnostics testing.

Our goal is to bring transparency to healthcare billing, so you have all the information you need to make decisions about your care.

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OVERVIEW

HOW DOES BILLING WORK?

Learn more about Vibrant-America’s simple and transparent billing experience.

BEFORE GETTING TESTED

  • Vibrant America bills towards the majority of insurance plans. No matter if our laboratory is in-network or out-of-network with your insurance provider, we are commited to making diagnostic testing affordable.
  • Medicare: Vibrant America is a Medicare approved provider. If you only have Part A coverage, then lab tests will not be reimbursed by Medicare and you will be responsible for the payment. If you have Part B coverage and the tests ordered by your physician are determined by Medicare to be medically necessary, then the tests will be covered by Medicare. If there is a reason to believe that the test(s) may not be covered by Medicare, your medical provider will ask you to sign an Advanced Beneficiary Notice (ABN) informing you that you may have to pay if the test(s) are denied.
  • If you do not have insurance or are underinsured, we have EZ Pay options available

VIBRANT AMERICA RECEIVES AND STARTS
PROCESSING YOUR SAMPLE

Ask your physician to order the test for you. Once Vibrant America receives your sample, we will immediately start processing it to make sure you get your results as soon as possible.

VIBRANT AMERICA WILL SUBMIT A CLAIM TO YOUR INSURANCE CARRIER FOR REIMBURSEMENT

  • When your sample has finished processing and we will file a claim with your insurance unless another payment option was chosen.
  • The estimate is not a bill or a guarantee of your costs. Your actual costs and benefits may vary depending on your insurance company and your specific benefit plan.

YOU WILL RECEIVE OUR WELCOME LETTER

If you have healthcare insurance coverage, you will receive our welcome letter, which notifies you that Vibrant America has submitted a claim to your insurance company on your behalf for reimbursement.

YOU WILL RECEIVE OUR FINAL INVOICE

  • After your insurance processes the claim, Vibrant America will send you a letter to notify you that your statement is ready to view on the patient’s online portal.
  • If you chose to pay without insurance, you will receive an invoice once your sample is done processing. You can pay online, over the phone or by mail.

Learn more about payment option

HEALTH SPENDING ACCOUNTS

Currently, Vibrant America are not accepting HRA/HSA/FSA/HCA accounts, however if we are not able to identify at the time of testing, that you have a Health Spending Account which results in possible payment (withdrawal of funds), please contact our Billing Representative and they will work with you.

TERMINOLOGY

AN OVERVIEW OF TERMS

YOUR RESPONSIBILITY IS THE AMOUNT YOU SHOULD EXPECT TO PAY

This amount includes what you pay toward your deductible combined with any co-insurance or co-pay. Keep in mind that insurance will not pay until after your deductible have been met.

Whatever you pay for your in-network deductible, co-pay, and co-insurance will apply toward your annual out-of-pocket maximum. This is the most you are expected to pay in one year before insurance will pay the remaining cost for covered services.

More questions about insurance terminology?

Check out this resource: Healthcare.gov

Overview

DEDUCTIBLE

  • This is a specified amount of money that you must pay out-of-pocket before your insurer will pay for any healthcare expenses.
  • Before you’ve met your deductible, you would be responsible for 100% of the cost until you reach your deductible.
  • Whatever you pay towards your deductible will be contributed toward your annual out-of-pocket maximum.
Overview

CO-PAY/CO-INSURANCE

  • A copay is a pre-determined, fixed amount you are required to pay for a covered healthcare service, usually at the time of service. The fixed amount is based on the type of service and can vary depending on your health benefit plan.
  • Co-insurance is a portion of the amount you are required to pay for a covered healthcare service. The percentage is based on your insurance plan as well as the service. A deductible is commonly used together with Co-insurance. In this case, Co-insurance applies after you have met your deductible.
  • Whatever you pay towards your copay/co-insurance will be contributed toward your annual out-of-pocket maximum.

With most insurance plans, you will typically see some combination of deductible, coinsurance and copayments – or in some cases your plan may not have any of them. It will very much depend on your specific insurance plan so be sure to check the policy details so you know what your out-of-pocket payments will be.

Overview

INSURER’S RESPONSIBILITY

Your health insurance is responsible for paying some or all of your healthcare costs in exchange for a premium, which is usually paid each month by you and your employer or solely by you.

Overview

What ez pay options are available?

Vibrant America offers an EZ Pay Program that is intended to provide affordable testing to all patients. We are experienced in working with all insurance carriers and do our bets to get your claims processed on time. If the claim is denied, Vibrant America will submit an appeal if we are able to obtain the additional information necessary to support the claim. If you are under-insured or uninsured, our three-component EZ Pay Program is available to assist you.

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Self-pay

Patients are welcome to self-pay for services rendered. We offer affordable pricing for our services if they are uninsured or patients plan doesn’t cover the services rendered. The patient can pay by credit card or by check/money order. In addition, Vibrant America may offer a prompt payment discount for patients that pay upfront or by credit card within 15 days of receiving your first statement. The rate shall be determined by Vibrant America at its sole discretion.

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Payment plan

Vibrant America offers interest-free monthly installment payment plans for patients with special financial needs. Payment plans are available for balances owed for laboratory services. Vibrant America encourages those patients that are not able to pay fully for the laboratory services provided, to contact our billing department when the patient receives their first statement to discuss the various payment options available.

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Financial assistance program

For those patients with financial hardships, we provide a program to assist with medical expenses. Please call our billing representative to obtain more information after the patient receives our first statement.

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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