Inspire Diagnostics is providing COVID-19 testing with no out-of-pocket cost to the individual.  (Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren’t covered). The Federal Cares Act is no longer covering the cost of COVID-19 testing and vaccination for the uninsured.  However, under the Cares Act, all private, Medicare and Medi-Caid plans are required to cover COVID-19 testing with “no pocket of pocket” costs to their members. We accept the reimbursed amount from the insurance company. If the insurance information is incomplete or not provided, Inspire will perform an Insurance Discovery for accurate information which is needed to submit a claim to the insurance company.

Insurance companies commonly send an Explanation of Benefits (EOB) to their insured members showing the amount of benefit paid under their plan. Healthcare providers, including Inspire Diagnostics, submit claims at standard rates. Often, insurance companies reimburse at significant lower amounts.  An EOB may show the difference between the standard charge and actual reimbursed amount as an adjustment or patient responsibility.  An EOB, however, is not an invoice. There will be no cost to test with Inspire Diagnostics for uninsured members of Santa Cruz County.