What You Should Know About Health Insurance and COVID-19

covid-19For many, it is a scary and confusing time due to the global pandemic caused by COVID-19. Part of the confusion people have is what is covered by their health insurance and what isn’t. With that in mind here are some helpful things to know about health insurance and COVID-19.

Does Insurance cover COVID-19 Testing?

If at some point you suspect you have contracted COVID-19 and want to get tested, there is an obvious concern about insurance covering the costs.  You can breathe easy over worrying about the test cost. COVID-19 testing has been designated as an essential health benefit for all Affordable Care Act-compliant plans. The designation means that COVID-19 testing is covered 100% by insurance. Medicare and Medicaid also cover the cost of testing. That means there is no copay for testing either.

In order to be tested, you need a prescription from your doctor if they can’t do the test right in their office. There are various drive up COVID-19 test locations stationed around the state of Florida. Ask your physician or Google the locations to find the nearest drive up testing station near you.

Does Healthcare Cover the Costs of COVID-19 Treatment?

The costs can be a bit scary to think about, the idea of getting COVID-19 is bad enough without worrying about the costs you will incur from being sick. There is reason to take heart on both fronts. Most people recover at home from COVID-19 with mild to no symptoms. If you do have to be hospitalized, a growing number of insurance providers are waiving the copay on treatment. You may say “That’s great, but I don’t have insurance at the moment.” Being without insurance at a time like this would make most people frantic, but there is no need to worry their either. Medicaid will pick up 100% of the cost of treatment for COVID-19.

Some things are not covered by insurance or Medicaid, such as over the counter drugs, tissues, and other incidental items needed to treat COVID-19. Keep in mind that many national pharmacy chains offer discount cards and their own discounted version of the name brand over the counter drugs. In some cases, additional discounts can be obtained by using a discount card in conjunction with a store brand over the counter drug will result in a further price reduction.

What do I do if I Lose My Health Insurance?

If you lose your healthcare for any reason, all is not lost. The first thing you should do is take a deep breath because you won’t be left without insurance; there are several options available to you. If you are married and your spouse is working, see if you can be added to his or her health insurance. This move is a simple solution, and the company’s human resources manager should be able to help with this adjustment.

If you are not married, there is no need to worry. You can purchase private health insurance that will help cover catastrophic costs. You can even purchase a full plan, but be warned it will be more pricey than catastrophic coverage. If you can’t afford health insurance, you will still be covered by Medicaid.

A Final Thought

The best thing you can do to avoid having to receive treatment for COVID-19 is to follow the Centers for Disease Control guidelines and take immune system boosting supplements like vitamin C and zinc. If you do fall ill, you can have peace of mind knowing that treatment costs are covered.


When it comes to finding affordable health insurance options, you can spend hours doing your own research or you can make a single call to Grantlyn Health Insurance. We’ll search thousands of plans from nationally recognized companies to find the coverage that’s right for you … at a price that fits your budget. Contact Us