if you get tested somewhere that is not in your insurance plan’s network, or if you’re treated in anyway besides just getting a test, you could end up with a bill.“When your health plan has to cover [testing], that just means the health plan has to cover what it would say is a reasonable charge,” explains Karen Pollitz, a senior fellow at the nonpartisan Kaiser Family Foundation. “The difference between what your health plan thinks is reasonable and what the provider bills you, that’s on you.”The law also only covers testing starting the day it was enacted, March 18. So if you got tested before then, this will not apply to those services.