We Went Viral — Here Is the Lab Trick Everyone Asked About
Our recent post about lab work costing seventeen dollars while insurance billed over a thousand blew up. Thousands of views. Hundreds of comments. And the same question kept coming up: "How do I actually do this?"
So here is the trick your insurance company does not want you to know.
Stop Letting Your Doctor Draw Your Blood
When your doctor orders blood work, most people just roll up their sleeve right there in the office. The nurse draws your blood, sends it off to LabCorp or Quest, and a few weeks later you get a bill for two hundred dollars or more — just for the draw and processing.
But here is what nobody tells you: you can skip that step entirely.
Ask your doctor for a lab order instead. Take that paper directly to LabCorp or Quest yourself. They will draw your blood and run the exact same tests. Same lab. Same results. Fraction of the price.
Lab Tests for Less Than Seven Dollars
Sites like LaboratoryAssist.com offer over a hundred common lab tests for less than seven dollars each. No insurance needed. No surprise bills. No negotiation. Just the actual price.
Compare that to what your insurance "negotiates" on your behalf — and you start to see why the system is set up to keep you overpaying.
Why Indemnity Plans Change the Game
This is exactly why we set up our clients with indemnity plans. Unlike traditional group insurance, indemnity plans have no deductibles and no copays. When you find a lower price — like a seven-dollar lab test instead of a two-hundred-dollar office draw — you keep the savings.
It gives employees a real financial reason to shop around. And when people shop, prices come down for everyone.
The Bottom Line
Your insurance company profits when prices stay high. They negotiate "discounts" off inflated prices and call it a win. But the real win is knowing the actual cost — and paying that instead.
Ready to stop overpaying? Visit The Benefit X-Change at benefitx.com to learn how indemnity plans and ICHRA can work for your business.