What Does Health Insurance Cover for COVID-19?
Whether you are diagnosed with COVID or receive the vaccine to prevent the virus, you need to understand what your health insurance covers and how you can get coverage if you don’t already have it. Here’s some common questions we are asked:
Will my health insurance cover COVID-19 treatment?
If you have health insurance, you are completely covered for medical services and treatment (as outlined in your plan’s coverage policy). Also, please be aware that there is no such thing as a “COVID-19 insurance coverage plan”. Instead, your health insurance covers your coronavirus medical care (just like any other illness) and this will all depend on your plan’s benefits.
Many health insurance coverages for COVID-19 include:
- Urgent or emergency room care
- Diagnostic testing for COVID-19 when ordered by a doctor. COVID-19 tests are available at no cost nationwide at health centers and select pharmacies
- Inpatient hospitalization, including any medically necessary medications, supplies, or equipment
- Outpatient services, including doctor visits, labs, and X-ray services
In addition, numerous insurance carriers (as well as Medicare) are now expanding on certain services in response to the pandemic. For example, there are now telemedicine services available for doctor consultations and mental health counseling. This helps to minimize the potential risk of exposure to COVID-19.
Will health insurance cover the COVID-19 vaccine?
When COVID-19 reached the United States, several laws were passed to ensure most Americans would have access to the vaccine at no cost. If you have private health insurance, Medicare, Medicaid, or are uninsured, you will pay absolutely nothing for the vaccine.
After the public health emergency ends, you may experience a change in COVID-19 coverage and find that you are responsible for a portion of the vaccine administration cost. Therefore, it is important to learn specifics about your plan.
What’s Next?
At Insurance Advisors of Tennessee, it is our goal to support the health and well-being of our clients. If you need more information and guidelines specific to COVID-19, please visit the CDC’s website.
We recognize that you may have additional questions about health insurance, particularly during the COVID-19 pandemic. We are here to help answer your insurance coverage questions, and our local agents can always assist you in finding the right health coverage to meet your personal needs.
Get In Touch:
Email: csr@insadvisorstn.com
Phone: (423) 485-3078
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