Costs, Insurance & Financial Assistance
Genetic testing without the billing anxiety.
We don’t want you to be surprised by a bill for a test your doctor recommended. Our billing process is built to give you a clear picture of your costs and your options before you owe anything.
Most Patients are Covered
Our tests are recommended by national guidelines and covered by most commercial plans.
We Check Before We Bill
We confirm your coverage and understand your insurance plan requirements before we bill.
Flexible Assistance Options
The cash-pay price is $250, even if multiple tests are ordered at once. Financial assistance is available for patients who qualify.
Every test we offer is recommended by national clinical guidelines and supported by decades of evidence. Most insurance plans cover them for eligible patients.
What to Expect, Step by Step
Your clinician orders a test
Your clinician orders a test. Your doctor or genetic counselor places an order with Arboretum. That’s all you need to do to get started.
We verify your insurance
Our system automatically checks your benefits, confirms your plan is active, and that testing should be covered by your plan. We do this for every order.
You may be notified if insurance costs look high.
If your estimated out-of-pocket cost looks high, we may contact you to discuss your options: bill insurance, or pay cash. The cash-pay price is $250, even if your provider orders more than one Arboretum test for you.
You choose your billing path
Use insurance or pay cash. We document your choice and move forward.
We handle billing and keep you in the loop
If an insurance claim is later denied, you will be charged our cash pay rate of $250. If insurance processes successfully and leaves a balance, our Financial Assistance Program may be able to help.
State laws protect you
While most commercial and state insurance plans already cover our tests, a growing number of states now require state-regulated health insurers to cover biomarker and genetic testing when it’s medically appropriate. The number of states with these laws keeps growing, and their scope varies: some apply to all medical conditions and others to cancer-related testing specifically. Our billing team can tell you whether your plan is subject to one.
Patient Assistance Programs
We never want cost to prevent you from getting a test your doctor recommends. Our flexible assistance options can reduce patient cost and billing uncertainty.
Cash Pay
The cash-pay price for any Arboretum test is $250. Additional tests in the same clinical area, ordered within 30 days, are included in that price. Patients who do not have insurance, whose plan does not cover the test, or whose out-of-pocket costs through insurance would be unaffordable, can pay our cash rate instead. Because this option bypasses insurance entirely, it cannot be combined with insurance billing.
Financial Assistance Program
Our Financial Assistance Program may reduce what you owe. The program factors both your income and financial hardship you may be experiencing. Depending on household size and income, a qualifying patient’s maximum responsibility may be $0, $50, $100, $150, or $200. Patients who are experiencing financial hardship may qualify for additional discounts based on their circumstances.
Financial assistance is determined individually based on financial need and is not guaranteed.
Charity Care Program
Charity care fully waives the cost of testing, and is available for patients with household income at or below 225% of the Federal Poverty Level whose test is not covered by their insurance. Talk to your provider or contact our billing team to learn more.
Financial Assistance Application
Our application includes a guide for federal poverty level limits and sliding scale discounts for those who meet income criteria.
To Apply
Submit a completed Financial Assistance Application along with supporting documentation to billing@arboretumclinical.com
Applications are reviewed within 10 business days. Assistance can be applied retroactively to outstanding balances.
Frequently Asked Questions
Will I get a surprise bill?
Our process is designed to prevent that from happening. We verify your insurance before the test runs, and we may contact you if expected costs look high. If insurance processes successfully and leaves you with a bill, we will explain your options, including financial assistance, when we send your statement.
What if my insurance denies the claim?
We submit a claim to your insurance when we believe there is a good chance the claim will be approved. If a denial occurs, we review whether to appeal and keep you informed. If the denial stands, we bill you at our $250 cash-pay price.
What does a test cost if I pay cash?
The cash-pay price for any Arboretum test is $250. Additional tests in the same clinical area, ordered within 30 days, are included in that price.
What insurance plans do you accept?
We bill virtually all insurance plans that provide coverage for our tests. We verify benefits for every order, so you don’t need to guess whether your plan works with us.
Can I apply for financial assistance after I’ve already received a bill?
Yes. You can apply at any time, including after receiving a billing statement. Assistance can be applied retroactively to outstanding balances.
Can my doctor apply for financial assistance on my behalf?
Yes. Your physician or their staff can submit a Financial Assistance Application or a hardship attestation on your behalf.
Questions?
Our billing team is here to help you understand your coverage, your options, and your costs before anything happens.
Call: 617-798-2477
