About ClaraCover

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. The pad price for her vitamin D test was $366; the same test sold for $59 on Quest’s own consumer site, and whether Medicare would pay at all came down to one diagnosis code — 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.

Every answer on this site cites its source — the actual Medicare coverage policy and fee schedule, with dates. We require no account, never ask for your name or Medicare number, and run no ads. If you give us an email address, we use it only to send what you asked for. Some direct-purchase links may earn us a commission at no cost to you, always disclosed where they appear.

If the site saved you money or a phone call and you would like to leave a tip, that is welcome and entirely optional. ClaraCover is a small business, not a charity; contributions are not tax-deductible and buy nothing. Every page stays free.

— Darlene, founder