The Families First Coronavirus Response Act requires health plans to cover the costs of “medically necessary testing.” But as testing expands to allow those without COVID-19 symptoms, the definition of what is medically necessary is up for interpretation. As such, many insurance plans may require a health care provider referral before paying for tests. You can also check with your local health department about free COVID-19 testing.

Additionally, several insurers have activated emergency plans, new procedures or waivers related to copayments, deductibles or coinsurance for telemedicine/telehealth services, COVID-19 testing and medical and behavioral treatment for COVID-19 related expenses. Some have updated procedures for prior authorizations, at-home services and prescription refills and delivery. Get more information from the American Health Insurance Plans (AHIP) health insurance provider response page or contact your health insurer directly.

The U.S. Department of Health and Human Services (HHS) has also extended the federal public health emergency (PHE) for another 90 days, through Jan. 20, 2021. The extension provides many flexibilities and waivers that will remain in place, including Medicare telehealth coverage and relaxed HIPPA requirements.