Is COVID-19 testing covered by my plan and what will it cost me?COVID-19 testing will be covered with no additional costs when recommended by a medical professional. While this coverage applies to many insurance policies, every plan is a little different. If you have questions on coverage, costs, or anything else, call Member Service at the number on the back of your card. *Exclusions may apply.
In order for a COVID-19 test to be eligible for coverage under your health plan, there’s some important criteria that must be met. In fact, ALL of the following must be confirmed before a test can be approved.
First and foremost, all tests must be ordered by a licensed health care professional unless the test is being ordered prior to an elective surgery. If deemed clinically appropriate, your physician must come to the conclusion that you’re showing signs and symptoms typically associated with COVID-19 — fever, cough, shortness of breath. In the event that you’re asymptomatic, a health care provider must determine that you’ve had known or suspected recent exposure to someone with the virus before a test can be performed.
If the order for a test meets the coverage criteria above, the sample must be collected by authorized health care personnel.