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Insurance / Billing

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Diagnostic Laboratory Services will generate and submit a claim to your primary and secondary insurance carrier. To ensure timely and accurate insurance claim filing, it is important DLS receives or verify ALL your correct information which includes your address, telephone number and valid insurance information at the time of service.

The following information is required for single or dual insurance coverage.

  1. Health Plan Name
  2. * Health plan address and telephone number or copy of insurance card (front & back).
  3. Membership / ID Number
  4. Policy holder Name
Participating Health Insurance Plans

* Aetna (PPO / Select Plans)
AIU
Aloha Care Quest
Aloha Care Advantage
BC Life & Health
Blue Cross / Blue Shield
Calvo's Insurance (Selectcare)
Champ VA
Commonwealth - Healthcenter, Saipan
* CIGNA (PPO / Select Plans)
* Connecticut General Life (PPO / Select Plans)
Deseret Healthcare
Deseret Mutual
Evercare
Evercare Quest
Guam Medicaid
Guam MIP
* HealthNet (PPO / Select Plans)
Hawaii Electrician Health and Welfare Fund
Hawaii Management Alliance Association
HMA, Inc.
HMSA
HMSA Federal Employee Plan
HMSA 65 C Plus
HMSA Quest
Humana

Kaiser Added Choice
Kaiser Senior Plan
Kaiser Health Plan (Kauai Residents Only)
Mail Handlers
Medicaid (ACS)
Medicare
Netcare Life & Health
National Elevator
* No Fault Insurance
Ohana Quest
Pacificare / Takecare - Guam
Pacific Administrators
Plumbers & Fitters Medical Plan
Queen's Healthcare (MDX Hawaii)
Railroad Medicare
Secure Horizons (AARP)
Staywell
Summerlin
Summerlin Quest
Triwest
Tricare for Life
* United Healthcare
University Health Alliance
Veterans Administration
* Workers' Compensation
Wellcare

Disclaimer : If your health plan is not listed please contact your insurance carrier to verify participation.


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Lab test(s) ordered by a Naturopathic physician may not be covered by your plan. Please refer to your plan benefits or contact your insurance.

Some lab test(s) require a referral and/or pre-authorization. Please refer to your plan benefits or contact your insurance and check with your physician regarding these test(s).

Lab Test(s) deemed experimental and/or investigational by your insurance is the responsibility of the patient. Please refer to your plan benefits or contact your insurance.

Medicare Advantage Plans are health plan options that are approved by Medicare and administered by private companies; this is accepted by Diagnostic Laboratory Services Inc.

* * *Please provide DLS your Medicare Advantage membership number in lieu of your "Medicare Health Insurance" card that is red, white and blue in color.

DLS Payment Policy

Payment is due upon receipt of the billing statement. Deductibles, co-payments and non-covered/investigational testing are the responsibility of the patient.

What if I don't have insurance or my insurance doesn't cover a test?

Diagnostic Laboratory Services offers a discount at the time of service for patients without insurance and for non covered tests. This payment will be considered in full and no claim will be filed to your insurance.

How to make a payment

Forms of acceptable payments are: personal check, money order and credit cards (VISA, MasterCard, American Express and Discover). Debit cards with the Visa and MasterCard logo are also accepted. To insure your payment is properly applied include the account number on the check/money order of all your billing statements.

To make a payment by phone with a credit card/debit card, call one of our Patient Service Representatives at (808) 589-5102 or (1-800) 655-4176.

Payments are also accepted at any one of Diagnostic Laboratory Services satellite locations.


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Frequently Asked Questions

Q: Why do I have different account numbers with DLS?
A: A new account number is generated by date of service, collection of specimens from different sites of the body, difference in times of day and specimens collected from different sources (blood and/or urine).

Q: Did my insurance carrier make a payment?
A: Under the DESCRIPTION column of your DLS statement will have an insurance remark stating payment. The amount of payment is listed under PAYMENT OR ADJUSTMENT column. You may also refer to your explanation of member benefit report sent to you by your insurance to verify payment.

Q: I'm covered by an insurance plan. Why did I get a bill?
A: You may be responsible for a deductible, co-payment or balance because your plan does not cover 100% of the charges. Please check the explanation of member benefit report from your insurance provider for an explanation of the additional amount that is owed.

Q: Why are my two (2) insurance carriers’s denying my claim?
A: Contact your insurance carriers to resolve dual coverage benefit and primacy.

Q: What is the balance owed on my account?
A: This information is located on the bottom right hand portion of your statement in the PAY THIS AMOUNT box. If you believe that you have already paid an account but continue to receive statements please contact one of our Patient Service Representatives at (808) 589-5102 or (1-800) 655-4176.

Q: Can I make payment arrangements?
A: We would be happy to work with you if you are experiencing difficulty in paying your bill. Contact one of our Patient Service Representatives at (808) 589-5102 or (1-800) 655-4176 to make monthly payment arrangements.

Q: I don't understand my bill. Can anyone help me?
A: One of our Patient Service Representatives would be pleased to explain the detailed charges on your bill. Please call us at (808) 589-5102 or (1-800) 655-4176.

Q: How do I get a refund?
A: If you are aware of a duplicate payment and have not received a refund, please call one of our Patient Service Representatives at (808) 589-5102 or (1-800) 655-4176.

Q: What insurance companies participate with DLS? How do I find out if mine is one of them?
A: For a list of Participating Insurance Providers, please refer to Participating Health Insurance Plans. If your health plan is not listed please contact your insurance carrier to verify participation.

Q: Why does DLS always ask for my insurance card?
A: Verification of your insurance information is required so we can continue to provide customers excellent service and accurate processing of your insurance claim.

Q: How do I get my test results?
A: Please contact your ordering physician for your laboratory test results.

Q: I paid at the time of service, why am I getting billed?
A: An additional test may have been ordered by your physician and/or based on your lab results from the original tests ordered. Please call one of our Patient Service Representatives at (808) 589-5102 or (1-800) 655-4176 if you need further explanation.

Q: Does my insurance pay for screening and physical exams?
A: Screening and physical exams may not be covered. Please refer to the benefit allowed under your plan or contact your insurance carrier.


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