S&G Labs Patient Billing

We appreciate the opportunity to be involved in your healthcare journey.

We understand that receiving a bill can be a concern, and we want to assure you that we are here to address any questions or concerns you may have. If you require more information about financial assistance, please feel free to let us know. Your well-being is our priority, and we are committed to assisting you in any way we can.


Prefer to speak to a person?

We are here to help you understand your bill and assist you with any financial concerns you may have

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

Our statements only list information related to current charges, balances, and insurance adjustments.  If you need a payment history report, please contact us:

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.  

Our dedicated billing team can be reached via the following methods: 

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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Cutting Edge Technology in Laboratory Testing

S&G Labs - Colorado
11 Inverness Way S, STE 200
Englewood, CO 80012

Hours: M - F 8 AM - 4 PM MST

Phone: 1-800-734-4840

S&G Labs - Kailua-Kona
75-240 Nani Kailua Drive, STE 11A,
Kailua-Kona, HI 96740

M - F 8 AM - 4 PM HST

Phone: 1-808-329-9675

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