Are X-rays and laboratory work covered?
Yes, when you are admitted as a bed patient to a hospital or when sent to an outpatient or emergency room, xray and lab work is covered if directed toward a definite condition or injury. These services are covered in conjunction with a routine physical examination provided charges do not exceed the total allowable amount for physical examination. A copy of the diagnosis must accompany all claims. If these tests are part of pre-surgical testing, they are not subject to the annual deductible and are payable at 100% UCR.
