Are the test kits covered by my insurance company
This is an at-home health test that doesn't require an office visit. Unfortunately, most health insurance companies do not cover the cost of these at-home blood tests. However, Paloma Health's tests are typically priced lower than out-of-pocket costs associated with such visits.
As always, this will depend on your own coverage but we encourage you to check with your insurance company to see whether they will cover all or some of the cost of our at-home thyroid test.
When discussing coverage, it is important that your carrier understands specifically what the test is and what it is testing for. Be sure to mention the following key points:
- The test is taken at home via a blood sample and analyzed by our partner laboratories
- The test measures: TSH, Free T3, Free T4, Anti-TPO Antibodies
- The report measures the above markers and reports on whether they are high, low, or within the normal healthy range.
Can I use my HSA/FSA account to pay for a test?
In most cases, you can use your HSA/FSA account to pay for your at-home thyroid blood test. Your Paloma Health test is authorized by a physician, so it should fit the guidelines for most HSA/FSA coverage.
Your Paloma Health test kit purchase can be submitted for reimbursement through HSA/FSA benefits. As always, be sure to check with your specific HSA/FSA benefits coordinator for clarification on the specific requirements for reimbursement including usage, protocol, and qualifications.
What are typical lab costs and how transparent is lab pricing normally?
For traditional tests, there are usually fees associated with an office visit (physician costs), as well as the lab.
Pricing is typically very complicated and not transparent for the consumer. The pricing will vary (sometimes dramatically) by laboratory, institution, test type and markers checked, your personal insurance coverage, and more.
Clear communication of pricing like Paloma Health’s is quite rare within testing and we can’t speak to what your own tests within a lab environment may end up costing out of pocket.