Most plans cover x-rays and labs in the office.  The plans differ on the cost share of the policyholder.  It used to be that you would pay a copay for an office visit and it would cover the entire visit.  Now, many plans still offer copays for office visits, but require more payment from you if you have additional services in the office like labs or x-rays.  In November of 2007, I compared the plans with the most coverage from several health insurance companies in Texas.  Here's what I found out:

BlueCross BlueShield of Texas:  Offers the most coverage for lab and x-ray services in the office compared to other plans in Texas.  You pay your copay, and any lab and x-ray services are covered at 100% up to a maximum of $750 per year.  After the maximum is met, the services will then apply to your deductible and coinsurance cost sharing.

Celtic:  Pays labs and x-rays at 100% up to a maximum of $200 per year.  After the maximum, the services apply to your deductible and coinsurance.

Humana:  Pays labs and x-rays at 100% up to a maximum of $200 per year.  After the maximum, the services apply to your deductible and coinsurance.

Assurant:  In addition to the office visit copay, any x-ray and lab services in the office apply to your deductible and coinsurance.

Aetna:  In addition to the office visit copay, any x-ray and lab services in the office apply to your deductible and coinsurance.

Unicare:  In addition to the office visit copay, any x-ray and lab services in the office apply to your deductible and coinsurance.

Please note:  The above information does not pertain to ALL plans offered by the above mentioned companies.  This is not a guarantee of coverage or plan benefits.  Always review your summary of benefits for information pertaining to your policy.

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