In turn, these insurance companies are working with labs to waive any costs associated with the actual test. States are concerned that patients will hesitate because of the potential bills, so states are working with insurance companies to regulate the coverage of testing costs. The costs of your visit to MainStreet to get tested should be covered as well. Under the legislation recently passed by Congress, testing for the coronavirus is free. While the test itself is covered, the insurance company may find other ways to require that you be billed. The higher the deductible your health plan has, the more likely some aspect of getting a COVID-19 test will result in your insurance company saying you need to pay for some step in getting a test. What if I have health insurance, but my plan has a high deductible? If this is the case and you have questions, please contact your insurance carrier. It’s possible your insurance may still leave a balance to you upon processing the visit. If you receive a bill, you are to contact your insurance company. However, there are other services consumed in the course of getting a COVID test and these CAN generate bills for you. The COVID-19 test itself should be no charge to you. The best first step is to call your insurance company and understand your deductible and their policy for COVID-19 testing. How do I know if I’m going to end up with a bill? However, in order to get the test, other services may be performed that the insurance company wants you to pay for. The summary is that a COVID-19 test itself should be no charge to you if you have insurance aside from your copay. In both of these cases, you may get a bill from the lab company for the tests beyond the COVID-19 test. So, why might you still get a bill from the lab company? Some labs are set up to ‘bundle’ tests into a panel of tests due to device configuration or other tests are needed for a full understanding of your situation. Both the viral swab test and the blood antibody test should be covered by your insurance provider. Your insurance company (or Medicare / Medicaid) will then tell the lab company if you owe anything to the lab company. The lab company will bill the insurance company for the COVID-19 test. The COVID-19 test: We send your COVID-19 swab or blood to a lab company to be tested.In these cases, you may get a bill from MainStreet for aspects of the office visit that were not the COVID-19 test. Sometimes they make you pay toward your deducible for these. Different insurance providers deal with these in different ways. Office Visit: During your office visit, if you are symptomatic or at risk, additional tests and evaluations such as a flu test may be performed in the clinic.Co-Pay: You should expect to pay your regular copay.A clinic visit to get a COVID-19 test typically has three parts: (1) The co-pay for the office visit, (2) the cost of the office visit, (3) the cost of the COVID-19 test. Is testing free if I have insurance?Īs with anything medical, there are many aspects. We’re here to make sure you have all the necessary information and provide timely updates as they pertain to COVID-19 testing. Keep in mind that policies regarding your out-of-pocket costs for coronavirus testing and treatment are changing rapidly. So we’re breaking down how COVID-19 testing is being covered. We believe it’s important that patients have all the information. This post was updated to reflect recent changes in government and insurers’ policies to help patients seeking COVID-19 testing.
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