Important information about your health insurance and COVID-19 testing
Will my insurance cover my COVID-19 test?
a. If you are asymptomatic with no known exposure, then NO.
b. If you are symptomatic or with a known exposure, then YES, as long as the test is deemed medically appropriate by an attending health care provider. (See FFCRA/CARES Act for more information.)*
Do I need a prescription from my doctor to be tested?
The short answer is no.
a. If you are asymptomatic with no known exposure, no prescription is necessary because your test will not be covered by insurance.
b. If you are symptomatic or with a known exposure, our providers will review your questionnaire answers and make an appropriate decision. The FFCRA/CARES Act states that the test needs to be deemed medically appropriate by an attending health care provider and that an attending health care provider need not be directly responsible for providing care to the patient.
How do our providers determine if a test is medically appropriate?
a. When you make a reservation, you will be asked to fill out a short online questionnaire detailing your symptoms and exposures. Our providers will review your answers and make an appropriate decision.
Do I have to pay out of pocket?
a. If you are asymptomatic with no known exposure, then insurance will not cover your test and you will pay out of pocket.
b. If you are symptomatic or with a known exposure, you will pay at the time of service and receive an itemized bill which you can submit to your insurance for reimbursement. The FFCRA/CARES Act mandates all forms of public (Medicare and Medicaid) and private insurance, including self-funded plans, to cover FDA-authorized COVID-19 tests, and costs associated with diagnostic testing, with no cost-sharing (including copayments, deductibles, or coinsurance), as long as the test is deemed medically appropriate by an attending health care provider.
Read more about the FFCRA/CARES Act