The Impact of Covid-19 / Coronavirus: Are you covered?
How does your health insurance cover Covid-19/Coronavirus testing and treatment?
Each company has come out with their own version of what is covered, how it is covered, and terms and conditions to the coverage. Coverage may vary within each company depending on the type of plan or policy that you have. For example, an Affordable Care Act policy may have different coverage than a Short-Term Medical Plan or an Employer Group Sponsored Plan. I have posted below helpful information and links to various insurance companies and their policies on this matter. However, check with your insurance company directly to be certain of coverage for your specific policy (you can go to your insurance company’s website below or call Member Services via the toll free number on the back of your insurance card).
It is important to consider the following:
Variations that may occur between insurance companies:
You may be required to meet medical determinations to be eligible for screening. A doctor's order may be required.
Most companies are waiving copays, deductibles or coinsurance for the screening test certified by the CDC. It is not clear if they will cover third-company screening tests.
Some companies are only waiving costs for the screening test itself. Office visit charges and associated outpatient costs such as radiology may be subject to your deductible and coinsurance, although some companies are waiving those costs as well.
Most companies are requiring that you get the test and screening done IN-NETWORK. This is especially important if you are on an ACA/Obamacare individual plan, so be sure you verify your provider for the testing is in-network.
Disclaimer: This information is subject to change and is being updated frequently. This information is not medical advice, it is strictly informational. Contact your medical professional for direction on what to do if you feel you may need testing.