With the Families First Coronavirus Response Act, the federal government has eliminated patient cost sharing for certain COVID-19 testing-related services until the end of the public health emergency. This means that you will not receive
a bill or pay anything out of pocket when these services are provided. This does NOT mean that insurance companies would not be responsible for paying whatever is covered under your policy. Therefore, we still require you to provide
your insurance information when receiving COVID-19 testing-related services.
YOU WILL NOT BE EXPECTED TO PAY OUT OF POCKET FOR ANY COVID-19 TESTING-RELATED SERVICES FOR WHICH COST SHARING IS WAIVED.
We recommend that if you have been tested for COVID-19 and have questions regarding your specific benefits, contact your insurance company to get an explanation of your coverage.
As there is a mandate for healthcare employees to undergo COVID-19 testing please be advised of the following:
The FFCRA was enacted on March 18, 2020.3 Section 6001 of the FFCRA generally requires group health plans and health insurance issuers offering group or individual health insurance coverage to provide benefits for certain items and services related to diagnostic testing for the detection of SARS-CoV-2 or the diagnosis of COVID-19 (referred to collectively in this document as COVID-19) when those items or services are furnished on or after March 18, 2020, and during the applicable emergency period. Under the FFCRA, plans and issuers must provide this coverage without imposing any cost-sharing requirements (including deductibles, copayments, and coinsurance) or prior authorization or other medical management requirements.
The CARES Act was enacted on March 27, 2020.4 Section 3201 of the CARES Act amended section 6001 of the FFCRA to include a broader range of diagnostic items and services that plans and issuers must cover without any cost-sharing requirements or prior authorization or other medical management requirements. Additionally, section 3202 of the CARES Act generally requires plans and issuers providing coverage for these items and services to reimburse any provider of COVID-19 diagnostic testing an amount that equals the negotiated rate or, if the plan or issuer does not have a negotiated rate with the provider, the cash price for such service that is listed by the provider on a public website. (The plan or issuer may negotiate a rate with the provider that is lower than the cash price.) As discussed in Q9 below, nothing in the FFCRA or the CARES Act prevents a state from imposing additional standards or requirements on health insurance issuers with respect to the diagnosis or treatment of COVID-19, to the extent those standards or requirements do not prevent the application of a federal requirement.
Please see additional information provided by CMS at https://www.cms.gov/files/document/FFCRA-Part-42-FAQs.pdf