How LabCorp bills you and what your payment options are

LabCorp sends you a bill after your lab work is complete. The bill shows what tests you had, what your insurance paid (if you have it), and what you owe. You can pay by mail, phone, or online through LabCorp's patient portal — the method depends on how the bill arrived and what information is on it.

If you had insurance, your portion is usually smaller because the insurance company paid their share first. If you did not have insurance or your insurance did not cover the test, you owe the full amount. LabCorp also offers payment plans if you cannot pay the whole bill at once, though you need to set this up before the bill goes to collections.

Key Takeaways

  • LabCorp bills you after your test is complete, showing what your insurance paid and what you owe out of pocket.
  • You can pay online through your patient portal, by phone at the number on your bill, or by mailing a check to the address listed.
  • If you cannot pay in full, contact LabCorp's billing department to set up a payment plan before the account is sent to a collection agency.
  • Your bill may include a discount if you pay within a certain number of days, so check the due date and any early-payment offers.

Paying online through your LabCorp account

The easiest way to pay is through LabCorp's online patient portal. Log in with the username and password you created when you first visited, or create an account if you do not have one yet. Once logged in, you can view your bill, see what each charge is for, and pay with a debit card or bank account.

The portal shows your payment history and lets you set up a one-time payment or a recurring payment plan. You will get a confirmation number right after you pay, and the payment usually posts within one to two business days. If you lose your login information, you can reset your password on the LabCorp website without calling.

Paying by phone or mail

The phone number for LabCorp billing is on your bill. When you call, have your bill in front of you so you can give the representative your account number. You can pay with a debit card or credit card over the phone, and the representative will confirm the amount and give you a confirmation number.

To pay by mail, write your account number on the check or money order and mail it to the address shown on your bill. Include the payment stub from your bill if one came with it — this helps LabCorp match your payment to your account faster. Mail payments take longer to process than online or phone payments, usually five to seven business days.

Setting up a payment plan if you cannot pay in full

If your bill is large and you cannot pay it all at once, call LabCorp's billing department and ask about a payment plan. LabCorp does not always advertise this option, but many accounts can be set up to pay in installments over several months. The sooner you call after receiving your bill, the more likely they are to work with you before the account goes to collections.

Payment plans usually do not charge interest, but confirm this when you set yours up. You will make monthly payments by the date you agree on, and if you miss a payment, the plan may be canceled and the full balance could be sent to a collection agency. Set a reminder on your phone or calendar so you do not miss a due date.

What happens if you do not pay

If your bill remains unpaid after 30 to 60 days, LabCorp may send it to a collection agency. Once that happens, the debt appears on your credit report and collection calls may begin. At that point, paying LabCorp directly becomes harder — you may have to pay the collection agency instead, and your credit score will be affected.

Before your bill reaches collections, LabCorp's billing department can usually work with you on a payment plan or a reduced amount if you have financial hardship. It is much easier to solve this before collections are involved, so contact them as soon as you know you cannot pay the full amount.

Understanding your bill and what you owe

Your LabCorp bill lists each test you had, the charge for that test, and what your insurance paid. The amount you owe is the difference between the total charge and what insurance covered. If you did not have insurance, you owe the full charge, though LabCorp sometimes offers a discount if you pay within 10 or 15 days — check your bill for this offer.

If you think a charge is wrong, call LabCorp's billing department and ask them to explain it. They can tell you whether the charge is for the test itself, a facility fee, or a draw fee. If you believe you were overcharged or the test should have been covered by insurance, ask for a detailed breakdown before you pay.

Using insurance to cover your LabCorp bill

If you have health insurance, LabCorp should have submitted your claim to your insurance company before they sent you a bill. Your bill will show what your insurance paid and what your out-of-pocket responsibility is. This out-of-pocket amount is usually your deductible, coinsurance, or copay, depending on your plan.

If your bill shows a charge that you think your insurance should have covered, contact your insurance company first to confirm the claim was received and processed. Then call LabCorp's billing department with the insurance company's response. Sometimes claims are denied because of a coding error or because the test was not ordered by an in-network doctor — both of these can sometimes be fixed.

Frequently Asked Questions

Can I pay my LabCorp bill with a credit card?

Yes, you can pay with a credit card online through your patient portal, by phone, or by mail if you include a credit card authorization form. Paying with a credit card may result in a processing fee, so ask about this before you pay. Debit cards and bank accounts typically do not have a fee.

What if I do not have a LabCorp patient portal account?

You can create one on the LabCorp website using your email address and the account number from your bill. If you have trouble creating an account, call the number on your bill and a representative can help you set it up or process your payment over the phone instead.

How long does it take for my payment to show up?

Online and phone payments usually post within one to two business days. Mail payments take five to seven business days. Once your payment posts, you will see it in your online account and you will no longer receive bills for that amount.

Can I dispute a charge on my LabCorp bill?

Yes. Call LabCorp's billing department and explain which charge you think is wrong. They can tell you what the charge is for and whether it should have been covered by insurance. If you still disagree, ask for the dispute process in writing.

What happens if I set up a payment plan and then cannot make a payment?

Contact LabCorp's billing department right away and explain the situation. They may be able to adjust your plan or give you a few extra days. If you miss payments without contacting them, the plan may be canceled and your account could be sent to collections.