Coronavirus testing has raised many questions for people, including about insurance coverage.
Here are five common questions and answers about testing costs and coverage by the Sanford Health Plan.
1. Will patients tested by CDC-approved labs incur costs for testing?
At this time, the Centers for Disease Control and Prevention is not billing for testing for COVID-19, so you should not incur costs for the actual testing. Commercial labs permitted to do high complexity testing by the CDC may charge testing fees. In addition, hospitals and facilities may charge their own fees for collecting the specimens, which may then be billed to your health insurance issuer.
2. What will Sanford Health Plan cover with regard to COVID-19 testing?
Sanford Health Plan will cover 100% of the cost of specimen collection and testing for COVID-19. Testing is covered when indicated as medically necessary by a qualified practitioner. If you have symptoms of COVID-19, your first step is to call your provider to see whether you should have the test done.
3. Will Sanford Health Plan cover treatments related to COVID-19?
At this time, there is no specific antiviral treatment or vaccine for COVID-19. If you test positive for COVID-19, Sanford Health Plan will cover the care you receive from your doctor, per your plan’s cost sharing, to help relieve symptoms as it would with any other viral respiratory infection.
4. Are personal supplies like gloves and masks covered?
Supplies such as gloves and masks are not covered by Sanford Health Plan because they are available over the counter.
5. Should I use telehealth/virtual care services instead of going to the doctor’s office?
Given that COVID-19 is a communicable disease, you are encouraged to use telehealth as much as possible instead of going to your provider’s office. As a part of Sanford Health Plan, you have access to telehealth services.