Crescendo is the lab that does Vectra tests for rheumatoid arthritis. The actually tests are very expensive but they offer financial help where you pay $25 or $0 for the test. Well they charged me full price and drained a HRA down to $0. And still haven't refunded it back. It has been 4 months. When I talked to the representative on the phone she couldn't understand why I was charged to begin with. Another rep stated that this has happened before. Most notably for HRA's and HSA's. Be aware. I didn't know they had done this till I happened to get a Dr bill that should have been paid by the HRA. Then noticed the charged another $300 that didn't go through because the HRA was drained to $0.