• We were instructed by the referring physician to bill you directly.
  
• Your insurance policy is subject to a co-pay, deductible, or non-covered services provision.
  
• Information regarding your policy number, group number, diagnosis code, or other important information was not provided to Spectrum.
  
• Your insurance company needs information from you as stated on your EOB (Explanation of Benefits)
• Your policy may not cover any or certain laboratory tests.
• Your testing was deemed by the insurance carrier to be not medically necessary
• Your policy has maximum benefit limitations.

An explanation of these conditions can be found on the patient invoice. For a more specific explanation, please contact the Billing Department of Spectrum at 1-888-664-7601.

How can I pay Spectrum’s bill?
You may pay by mailing a check or money order to the address on the invoice. An envelope has been included for your convenience. We also accept Visa and MasterCard payments. You may call the Billing Department at 1-888-664-7601 with the information or pay online. Please remember to include your account/accession number on your check or money order. Also, if you are paying for more than one account, please make sure that all the invoice stubs and/or account numbers are provided.

How can I submit my insurance information or corrections and updates to the existing information?
You may complete the billing information form that is part of this section and email it to us. Or you may call, mail, or fax information to us at: Billing Customer Service Phone #: 1-888-664-7601 Mailing address: P. O. Box 35907 Greensboro, North Carolina 27425-5907 Fax #: 336-856-7171 Please make sure that all the information needed is supplied and is accurate.

When will my insurance company pay Spectrum’s bill?
Responses from insurance companies vary greatly. However, it normally takes a minimum of 4-6 weeks for Spectrum to receive payment or denial information. Patients usually receive their explanation of benefits from the carrier several weeks before Spectrum.

Why does my Explanation of Benefits (EOB) have different information than you show on your bill?
This sometimes happens. Spectrum tries to communicate on the patient invoice the exact message sent to us by the carrier. However, sometimes the patient receives different information. If this is the case, please contact us in the Billing Department at 1-888-856-7171, and we will work together to resolve any discrepancies.

Can you explain the information my insurance company sent to me regarding my benefits?
Spectrum staff cannot answer questions about your specific policy and its provisions. For the best results, please directly contact the Customer Service Department at your insurance company

What is a $10.00 billing handling fee?
This is a one-time fee assessed for processing delinquent accounts that are greater than 30-days past due.