COVID-19 Testing

If you or your employees feel they have been exposed to someone with COVID-19 or are experiencing similar symptoms you should follow the safety guidelines of your workplace and recommend they talk with a medical professional to authorize a COVID-19 test.

During the national public health emergency period, FDA-authorized COVID-19 tests, when ordered by a physician or health care professional for purposes of diagnosis, are mandated to be covered by your health insurance provider, based on your plan’s benefits.  If anyone ever receives a bill for getting a test done, reach out to your Business Benefits team regarding our Patient Advocacy services to research the claim.

It is also important to note that there is a difference between a COVID-19 test and an anti-body test.  A COVID-19 test is administered with the intent of finding out if someone currently has COVID-19.  An antibody test is administered many days after someone thinks that they may have had or been exposed to COVID-19 and is not used for diagnostic purposes.  It is important for you and your employees to understand that these two tests are different and are covered differently.  The anti-body test is not required to be covered in full and the way they are covered varies from carrier to carrier. It is also possible that the anti-body test is not covered under some medical plans.  We believe this is due to varying opinions amongst the carriers on the effectiveness and usefulness of the anti-body test.

If you are in need of more specific information about how your health insurance carrier is covering COVID-19 related claims, give us a call.