The spread of COVID-19 has left many people with questions about how they can receive treatment and how that treatment will be covered by Medicare. Here are some of the answers to the COVID-19 questions we have been receiving. As always, we are here to answer any questions that you have, and we suggest that you follow all guidelines issued by the Centers for Disease Control.
Does Medicare Cover COVID-19 Testing?
Yes, testing for COVID-19 will be covered under Medicare Part B providing that it has been ordered by a healthcare provider or doctor who accepts Medicare and the test was ordered after February 4, 2020. All Medicare Advantage Plans are required to cover Part A and Part B services, and those include COVID-19 testing. Do not worry about whether or not your test will be covered—it will be!
How Much Will Medicare Beneficiaries Pay for Testing?
Medicare beneficiaries who have COVID-19 testing completed will not be responsible for paying the Part B deductible or coinsurance for the test. With traditional Medicare, beneficiaries usually have a $198 deductible for Part B services and additional coinsurance. However, the Families First Coronavirus Response Act eliminates cost-sharing for COVID-19 testing services, including the outpatient visit or doctor’s office visit where the testing is completed. Do not put off testing due to concerns over a financial obligation, as it will be covered.
Will Medicare Cover Treatment for COVID-19?
Unfortunately, there is no confirmed successful treatment for COVID-19 other than treating the resulting symptoms of the disease. If someone is seriously ill from the virus, they might need both inpatient and outpatient services. Medicare Part A will cover:
- Inpatient hospital stays
- Skilled nursing facility stays
- Home health visits (some)
- Hospice care
- Medicare Part B will cover:
- Outpatient services
- Doctor’s office visits
- Emergency ambulance transportation
- Emergency room visits
Medicare beneficiaries, including those in Medicare Advantage and traditional Medicare plans, will have their inpatient hospitalization covered if it is required. Medicare does not cover long-term services or support for those who will need post-acute care, but that could change in this case if additional legislation is passed.
Explore Medicare Plans with Secure Benefits Alliance
Secure Benefits Alliance is proud to be Medicare problem solvers for thousands of patients throughout the greater Baltimore area. There is no cost to use our services and take advantage of our wealth of Medicare knowledge. To have your Medicare or health insurance questions answered by our knowledgeable team, contact Secure Benefits Alliance today by calling 443-912-5467 (TTY: 711).