Know what you’ll owe — before you go.
The lab hands you a pad and says “sign here, you might owe money.” ClaraCover tells you what Medicare actually covers, what the lab really charges, and what to ask — in plain English, free.
No account. No name. No Medicare number. Ever.
The $366 signature
It started at a Quest counter in Indiana. My 79-year-old mother — on Medicare, on a fixed income — was asked to sign a pad agreeing to pay “whatever Medicare doesn’t.” Nobody could tell us what that meant. Not the lab. Not the doctor’s office. Not the hour-long hold with Medicare.
So I did the research myself. The pad price for her vitamin D test? $366. The exact same test, bought directly from Quest’s own consumer site? $59. Whether Medicare would pay at all came down to one diagnosis code on the doctor’s order — a published rule anyone could look up, if they knew where.
By the end, I’d saved her $600 across three tests. ClaraCover exists so you don’t need a daughter with a spreadsheet habit to get the same answer. — Darlene, founder
How it works
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Find your test.
Search by name or the 5-digit CPT code printed on your doctor’s order.
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See the real numbers.
Whether Medicare covers it (and for which diagnoses), what Medicare pays, and what the test costs to buy directly if it’s not covered.
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Know what to ask.
Before you sign anything: how to get the price in writing, and what to discuss with your doctor.
Browse tests
The tests Medicare denies most
Everyday bloodwork
Screening tests & their frequency rules
Holding a doctor’s order right now? We’ll look yours up. Free.
Send us the test codes and diagnosis codes from your order (no name, no Medicare number — just the codes and your state). Within 24 hours, you’ll get back a plain-English answer: likely covered or not, what Medicare pays, and what it would cost you either way.
We answer the first 10 requests each day, personally. This is a free service while we build the automated lookup tool.
Never overpay at the lab again.
Get our free guide — “5 Ways to Never Overpay at the Lab” — plus one short, useful email a month. No spam, unsubscribe anytime, and we never share your address.
The instant lookup tool is in the works: type a test code, a diagnosis code, and your state — get your answer in seconds. Join the email list above to be first in line. (On Medicare Advantage? Tell us your plan in the concierge form — plan-by-plan support is on our roadmap.)
No account. No name. No Medicare number. Looking up a test collects nothing about you. We only get an email address if you choose to give us one. · Every answer cites its source — the actual Medicare policy and fee schedule, with dates. · Never ads. Some direct-purchase links may earn us a commission at no cost to you — always disclosed where they appear.