Patient Account Billing

RML is certified by Medicare, Medicaid and Blue Cross Blue Shield to perform the laboratory tests ordered by your physician. We will bill any combination of these carriers at no additional charge to you when provided with adequate billing information. If we do not receive complete billing information, we will send you a statement requesting you to call us. Please contact our Billing department at 1-800-968-3251 or 269-969-6161, option 2, Monday through Friday, 8 a.m. to 5 p.m. EST, and have your insurance cards available.

BLUE CROSS BLUE SHIELD: RML is a participating Blue Cross Blue Shield provider and accepts their reimbursement as payment in full. You will be billed only for policy copays, deductibles and tests not covered by your policy after we receive Blue Cross Blue Shield payments or denials. We submit claims to all Blue Cross Blue Shield carriers when provided with the contract holder’s name, the entire contract number including any alpha prefix, and a diagnosis provided by your doctor.

MEDICAID: RML is a Michigan Medicaid participating provider. If you are covered by Medicaid, you will be billed only for tests not covered by Medicaid for which you received prior notification or when no payment or denial is received during the first 60 days from billing. We submit claims to Medicaid and Medicaid HMO’s when provided with the beneficiary’s identification number, the name of the HMO and a diagnosis provided by your doctor.

MEDICARE: RML is a Medicare participating provider. If you are covered by Medicare, you will be billed only for copays, deductibles and tests not covered by Medicare for which you received prior notification after we receive a Medicare payment, denial or deductible notice. You may be asked to sign an Advance Beneficiary Notice for any procedures that we believe Medicare will not cover. We submit claims to Medicare and Medicare Advantage plans when provided with your complete identification number and a diagnosis provided by your doctor.

COMMERCIAL INSURANCES: RML participates with many commercial insurance carriers. You will be billed only for policy copays, deductibles and tests not covered by your policy after partial payments or denials are received. We submit claims to all commercial carriers if we are provided with the appropriate insurance information, including the policyholder name and identification number, the insurance company’s address, and a diagnosis provided by your doctor.

If your physician collects your laboratory specimen, he or she will complete an RML test requisition with your name, address, social security number, birth date, address, telephone number and complete insurance information, along with a diagnosis for each test ordered. Please remember to keep your physician updated with any new insurance coverage. RML bills your insurance when your physician provides adequate and appropriate billing information.

If RML collects your laboratory specimen at one of our Patient Service Centers, our registration personnel will obtain your insurance information to ensure our records are accurate and current. Please remember to bring all your insurance identification cards with you each time you visit our laboratory.

Generally, you will not receive a bill from RML until your insurance makes a partial payment or when no payments are received during the first 60 days. When your insurance is billed and a patient balance remains, you will receive an itemized bill from RML within one week from the date your insurance payment, denial or deductible was applied. If a balance remains on your account after four weeks, we will send another statement to you.

Many insurance carriers have filing limit policies regarding the amount of time they will allow between the date of service and the day they receive your claim.  If a claim is submitted past that time, they will deny payment. Please call promptly with new insurance information to avoid this situation.  If we receive your insurance information too late to bill your claim, you may be held liable for the entire balance.

RML is a lab partner in Joint Venture Hospital Laboratories (JVHL). If your insurance indicates JVHL is a covered or participating lab, RML will submit your claim to JVHL and they will in turn submit the claim to your insurance. In this case, you may see JVHL listed on your explanation of benefits.

No Insurance Coverage:
RML will bill you within two weeks from the date of service. If a balance remains on your account after four weeks, we will send another statement to you. Payment plans are available by calling our Billing Department at 1-800-968-3251 or 269-969-6161, option 2.