COVID-19 Testing Is Supposed to Be Free. Here's Why You Might Still Get Billed.
On March 18, Congress passed the Families First Coronavirus Response Act, which among other things, mandates that Medicare, Medicaid, other government plans, and most private plans cover COVID-19 testing — and all testing-related services — entirely. That means no co-pays, no deductibles, no co-insurance charges. Free. The law also applies to uninsured people who seek to get tested for concern of COVID-19. However, there are still instances in which you could end up with a bill if you fall in the following categories: if you have health insurance and use an out of network provider, if your visit does not result in a COVID-19 test, or if you receive any type of treatment in addition to getting the test.
If you are experiencing symptoms but you are worried about medical costs, please have a conversation with your provider over the phone and discuss whether you need to get tested for COVID-19 or not, and make sure to raise concerns about payment during the phone call and subsequent visits.