Billing & Financial Policy

If you provide insurance information:

• Claims will be submitted to your insurance carrier when applicable.
• Coverage depends on your specific plan and benefits.
• Verification of benefits is not a guarantee of payment.

You are responsible for:

• Copayments
• Deductibles
• Coinsurance
• Non-covered services
• Services denied by your insurer

If your insurance denies payment, you are financially responsible for the balance.

If you do not provide insurance or choose not to use insurance:

• Payment is due at the time of service.
• Fees will be disclosed prior to service when possible.

Telehealth and asynchronous services may be billed as medical visits when clinically appropriate.

Response times for asynchronous services may vary.

Charges may apply even if:

• A prescription is not issued
• Testing is not ordered
• Referral is not made

You are paying for professional evaluation and clinical judgment.

Copayments and known patient responsibility amounts may be collected:

• At the time of scheduling
• At the time of service
• After claim processing

If additional patient responsibility remains after insurance processes the claim, you will receive a statement.

Payment is due within 30 days of statement date.

If a payment method is declined or reversed:

• You remain responsible for the balance.
• A processing fee may apply.

Fraudulent chargebacks may result in suspension of services.

If you enroll in a membership or subscription program through HLTH LAB Inc.:

• Fees may be billed separately from medical services.
• Membership fees may not be covered by insurance.
• Recurring charges will continue until canceled.

Cancellation terms will be provided at enrollment.

If services are provided out-of-network:

• You may be responsible for full payment at time of service.
• Documentation may be provided for you to submit to your insurer.
• Reimbursement is not guaranteed.

Payments for completed medical services are generally non-refundable.

Refunds may be considered in limited circumstances, including:

• Duplicate payments
• Billing errors

Refund determinations are made at the discretion of the applicable professional medical entity.

Accounts with unpaid balances may be:

• Subject to collection efforts
• Referred to a collection agency

You are responsible for reasonable collection costs where permitted by law.

If you experience financial hardship, contact our billing department to discuss available options.

For billing inquiries, contact: billing@ozara.com