Billing and Insurance

Insurance General Information:

ATVIVO Laboratories partners with an extensive network of private and public health insurance providers in New York State including Medicare and NY Medicaid.

Please note that the list may not cover the entire network of insurance providers since we are continuously striving to expand coverage for patients. In case your provider is not included in our network, will bill the patient and provide a 1500 form for convenience upon request.

If you have any questions about your coverage please contact us contact@atvivo.com.

FAQ Billing:

We want to make sure billing is transparent and the billing process is as simple as possible. Here are answers to some of the most common questions:

Why did I receive a bill from ATVIVO?

The invoice you received is for laboratory services provided by ATVIVO, ordered by your physician. This invoice is for laboratory testing fees only and is separate from any bill you may have received from your physician and/or paid at your physician’s office. The bill typically includes charges for deductibles, insurance co-payments or those services not covered by your insurance provider. Please review your insurance policy for more information about your coverage.

If it appears that you do not have insurance coverage, or if the information provided to ATVIVO was incomplete or inaccurate, we will ask that you provide additional information. We will gladly resubmit any claim to your insurer once we have the new information. Because we work through your insurance provider, it may take several months after the date of service before you receive our bill.

Why didn’t insurance pay for the tests?

Your insurance carrier should send you an Explanation of Benefits (EOB) that explains in detail the services that were either paid or denied. You may also find this information on the invoice. If you need additional information you should contact your insurance carrier directly to determine the reason(s) why your insurance company did not pay your bill.

A few reasons you may have received an invoice include, but are not limited to, the following:

  • Insurance information was not received, or the wrong insurance information was received on your test order
  • The insurance carrier processed the claim and denied payment
  • The insurance carrier processed the claim and applied the balance to your co-pay or deductible
  • The insurance carrier did not respond to the claim.
Do you accept secondary or supplemental insurance?

ATVIVO will submit requests to secondary or supplemental insurers in order to maximize the benefits to which you are entitled. Please make sure that you fill out the secondary insurance portion on your medical forms.

What is an Explanation of Benefits?

Each time we bill your insurer for laboratory services provided on behalf of you or a covered dependent, the insurer will send you an Explanation of Benefits. The Explanation of Benefits explains how much the insurer will pay, along with an estimate of your financial responsibility. Since the Explanation of Benefits is not a bill, you should only pay ATVIVO when you receive a bill directly from us.

My insurance company send me a check, what should I do?

Please make sure you endorse the back of the check and send to ATVIVO with a copy of the Explanation of Benefits (EOB)

How to I change my insurance information?

You can provide your insurance information directly to ATVIVO by clicking here to contact Customer Service or here to manage your account. Please be sure that the information provided is accurate and complete. Inaccurate or incomplete information may result in a delay or denial of payment by your insurance carrier. You can also mail or fax a copy of the front and back of your insurance card to the correspondence address or fax number listed on your invoice.

What is an Advanced Beneficiary Notice and why is required for certain tests?

An Advanced Beneficiary Notice (ABN) is a requirement by Medicare. The purpose of the ABN is to help patients make an informed choice about whether or not they want to receive certain laboratory tests that have a likelihood of being denied for payment by Medicare. The Medicare program pays for services only if it determines that the services are reasonable and necessary. Medicare deems some tests as medically necessary only if the patient has certain medical conditions, symptoms, or diseases. Medicare calls these tests Limited Coverage Tests. If the patient chooses to have the Limited Coverage tests performed, the patient will have financial responsibility for the testing if Medicare denies payment.