As coronavirus tests become more available in the United States, information on how to obtain these tests and how much they will cost, depending on your insurance.
Independence Blue Cross announced Friday that the insurance company will assist members with fees for the COVID-19 tests. This applies to members who are fully enrolled with their insurance plans, based on employer sponsor plans, Medicare Advantage plans or Affordable Care Act.
These tests will cover and waive cost sharing (such as copays and co-insurance), “if performed in an approved hospital or laboratory,” said the insurance company.
New Jersey’s Horizon Blue Cross Blue Shield will also cover the costs, the largest health care provider in New Jersey announced on Saturday. AmeriHealth in New Jersey said they too will help with test fees.
Initially, the CDC was “the only facility equipped to test the coronavirus or approve other facilities to do so”. The facilities managed by CDC are located throughout the country and there are also some in the same city of Philadelphia. The tests took place first in these facilities exclusively, but no longer.
Subsequently, the CDC approved state laboratories in Pennsylvania and New Jersey to administer the COVID-19 tests free of charge. The tests in these labs also had to be free for anyone, not just specific insurance members.
But as the disease has gained momentum in the United States, the CDC is starting to allow testing in hospitals and at a cost. Whether you are proactively testing yourself or are already coming down with a COVID-looking disease, tests are likely not free if you get one from a hospital or doctor.
The warning stories of patients who end up with thousands of dollars in test fees alone were cause for concern. Patients reported that the tests cost them up to $ 3000 in some cases.