S&G Financial Hardship Program
Evaluate your household income
Your household income is calculated by combining the gross (pre-tax) income of all members living under the same roof. This information will be used to determine if you meet the criteria for financial assistance.
Determine your eligibility for assistance
Hardship assistance is available for insured patients who cannot afford their co-payment or deductible bills. Uninsured or Non-PAR insured patients should discuss an alternative testing option with their ordering healthcare providers.
Apply for financial hardship
Patients may apply for a Financial Hardship Discount by completing and signing the S&G Labs Financial Hardship Application Form. A member if S&G Labs may reach out if more information is required
Most insurance plans require you to pay a portion of your medical care as part of their coverage. The percentage you will pay varies depending on your plan.
Your statement will categorize your balances as co-insurance (co-pay) or deductible, as applicable.
Neither of these amounts are decided by your healthcare providers and are pre-determined by your insurance plan/insurance carrier.
- Co-payment: this is the amount you will pay in addition to whatever amount your insurance has/will pay
- Deductible: this is the amount you must pay out-of-pocket BEFORE your insurance will pay for your care
You may see a CASH fee on your statement. If you have updated billing information or want us to re-process your charges, please contact us.
HMO plans require a PCP (primary care physician) referral for your medical care expenses to be covered. Without a referral, you will be required to pay out of pocket for your care. If you need assistance obtaining a PCP referral, please let us know.
We have flexible and affordable payment options, including monthly payment plans. We also offer a financial hardship discount program. More information about this plan is available below this FAQ section. Please contact us if you have questions.
Any time a healthcare provider bills your insurance company, they send you remittance advice. This is not a bill. Remittance advice is informational only, please wait to receive a bill from S&G Labs before calling.
There can be several reasons for your insurance company to deny a claim, including incomplete/outdated information as well as a maximum number of tests allowed per year. Your provider will only order testing that they deem medically necessary for your care.
Need a payment plan?
Give us a call if you find it challenging to cover the full balance at once.
We completely understand, and our goal is to assist you. We'll discuss your financial situation and determine an amount that suits your budget. S&G Labs offers convenient monthly payment plan that allows you to make smaller, manageable payments regularly.
Your satisfaction is important to us, and we're here to find a solution that works best for you.
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