Understanding your superbill.

When CruzMedMo sends you the results of your Covid-19 test, there is also a document attached called a superbill. A superbill is a document with all the information needed for an insurance company to decide if they will pay you back for a treatment, procedure or test you had. 

Some insurance companies will pay you back some or all of the cost of a COVID Test, if it was “medically necessary” meaning you were experiencing symptoms of COVID, or you were exposed to the Coronavirus. Some insurance companies will not reimburse you if you need a COVID Test to travel or to safely visit with family or friends.


What a superbill is NOT:

  • A superbill is not a bill you are required to pay

  • A Superbill is not a guarantee of payment from your insurance company. 

  • A Superbill cannot be used if you have Medicare or Medi-cal.


What is a deductible?

A deductible means you have to pay a certain amount of your own money first before your insurance will start to pay for your healthcare. Deductible amounts vary from plan to plan. You may be able to apply a portion of the cost of your test to your deductible. Some insurance plans may only charge you a co pay, and then pay the remaining amount. It’s best to call your insurance company to find out exactly what your plan will cover.

Sending in your superbill for reimbursement:

To ask your insurance company to reimburse you for services you received from CruzMedMo, mail (or submit online, depending on the company) your insurance company will need the following:


  • The superbill you received from us and a photocopy of your insurance ID card (front and back.)

  • Keep a photocopy of all the documents you send in for your records.