What happens to COVID-19 testing and treatment coverage under my health insurance after the public health emergency ends on May 11?
The end of the public health emergency does not necessarily mean an end to COVID-19 testing and treatment coverage under your health insurance. The coverage and reimbursement policies may vary depending on your health insurance plan and the policies of your state or federal government. It is recommended to check with your health insurance provider to understand your eligibility and coverage for COVID-19 testing and treatment after May 11. The requirement for private insurance companies to cover COVID-19 tests without cost sharing, both for OTC and laboratory tests, will end at the expiration of the PHE. However, coverage may continue if plans choose to do so. After May 11, 2023, while COVID-19 lab tests are generally covered under health insurance policies, you may have to pay a deductible, copayment, or coinsurance (cost-sharing) depending on your specific health insurance policy. You must check with your insurer as to whether your particular plan imposes cost-sharing on the patient for COVID-19 lab tests and/or for an outpatient visit with a medical professional relating to COVID-19 diagnosis or treatment.