Coronavirus Tests Will Be Covered by Health Insurance
With the coronavirus rapidly sweeping the globe, testing is essential. Officials want people to get tested. COVID-19 testing is considered “preventative” with a “Qualified Health Plan”, so there is no co-pay or cost involved. If Nevadan’s are unaware of this particular fact, they may worry about getting a surprise bill for COVID-19 testing, and may not get the test at all. Health insurance CEO’s have collaborated with government officials and vowed that those who have health insurance won’t have to worry about surprise bills for COVID-19 testing. All Co-pays for Coronavirus testing will be waived.
If Nevadan’s are unaware of this particular fact, they may worry about getting a surprise bill for COVID-19 testing, and may not get the test at all.
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Health Insurance Companies Waive Co-Pays for COVID-19 Testing
Approximately 240 million Americans have health insurance through private insurance, Medicare or Medicaid. With the number of coronavirus cases growing rapidly throughout the country, lawmakers wanted to get the word out that those who have health insurance will not receive unexpected bills for COVID-19 testing. Health insurance companies also agreed to cover the cost of telemedicine which allows patients to speak with a doctor over the phone. Coverage will be extended for the treatment of COVID-19, but beyond testing (like hospitalization) your deductible and co-insurance will most likely still apply.
Many Americans Are Without Health Insurance
It is an unfortunate fact that about 27.5 million Americans are without health insurance. The government has entertained the possibility of utilizing a federal disaster relief program to reimburse costs incurred to hospitals and other healthcare providers who treat those without health insurance for the coronavirus. Medical bills can add up quickly, meaning many uninsured Americans will delay testing for fear that they will rack up hefty bills. This puts more people at risk of becoming gravely ill or even dying from the novel coronavirus. In addition to the health implications, failure to get tested will allow the virus to spread.
Unexpected Medical Bills Can Result in Bankruptcy
Even individuals who have health insurance can receive unexpected medical bills that can result in bankruptcy. Care that’s provided out-of-network can result in surprise bills that a patient is not prepared to pay. Because health insurance companies are covering all costs associated with COVID-19 testing, this is not a concern if you have health insurance. If you want extra reassurance that your health insurance will cover testing, an experienced health insurance agent can explain your plan in detail.
Seek Advice From Nevada Insurance Enrollment
Choosing the right health insurance plan can be confusing because there are so many options. Your best bet is to seek the advice of a knowledgeable health insurance agent. They will be able to assist you in finding the right plan that covers COVID-19 testing and other benefits that fits your needs. Consult with a Las Vegas, Nevada health insurance agent to determine which health insurance plan will be most effective in meeting your individual needs.