![]() The rules for out-of-network coverage are even more muddled, which can be particularly burdensome for people living in rural and low-income pockets of the country where medical providers are few and far between. So if a doctor decides not to test you for the virus, or the facility has run out of tests completely, you could still be on the hook for whatever fees you happen to rack up during your visit - from a strep test to a five-night hospital stay. ![]() Insurers aren't required to pay for fees incurred by patients who seek a COVID-19 test but don't actually GET the test. So as long as you have a social security number and a state I.D., you should be able to get a test for free - or for a nominal fee - even if you don't have insurance. Many insurers have also agreed to cover the cost of a COVID test if it's done at an out-of-network facility, but you'll want to reach out to your insurance company (or Medicare/Medicaid provider) before your visit.Īs of this writing, the government is reimbursing medical providers that give coronavirus tests and treatment to uninsured Americans, as long as certain qualifications are met. Insurers are legally required to pay for in-network testing, so try to find a medical facility where you know you'll be covered. That's quite a spectrum, and it doesn't include fees for other services that may be required, like doctor's visit charges, specimen collection, or other types of diagnostic testing. But not all medical providers are following that CARES Act rule - and those that are publicly posting coronavirus test prices are disclosing costs ranging anywhere from $20 to $850 per test, according to the Peterson-KFF report. The CARES Act requires hospitals and other medical providers to disclose the "cash price" of COVID-19 tests on their websites, which, in theory, could help could people looking to take the test know exactly how much money they'll be out if they end up having to pay for it on their own. Like other types of medical fees, insurance companies have to negotiate the cost with the providers and labs that dole out the tests. Prices for coronavirus testing aren't federally regulated, according to a report from The Peterson Center on Healthcare and the Kaiser Family Foundation (Peterson-KFF). How much is a COVID-19 test SUPPOSED to cost? Here's everything we know about how much coronavirus tests actually cost - and why some people are having to pay thousands of dollars out of pocket. Hawaii Alaska Florida South Carolina Georgia Alabama North Carolina Tennessee RI Rhode Island CT Connecticut MA Massachusetts Maine NH New Hampshire VT Vermont New York NJ New Jersey DE Delaware MD Maryland West Virginia Ohio Michigan Arizona Nevada Utah Colorado New Mexico South Dakota Iowa Indiana Illinois Minnesota Wisconsin Missouri Louisiana Virginia DC Washington DC Idaho California North Dakota Washington Oregon Montana Wyoming Nebraska Kansas Oklahoma Pennsylvania Kentucky Mississippi Arkansas Texas View Rates
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