How COVID-19 insurance coverage is changing in 2022

During the public health emergency, if you were being treated for COVID-19, most insurance companies fully covered your medical expenses related to COVID-19.

Medicare attorney Sadie Tuescher said those currently seeking COVID-19 medical treatment will be treated like any other medical visit and there’s a good chance you’ll get a bill.

“So now we find that all but 2% insurance companies for 2022 and beyond will not cover that,” said Tuescher, of Wisconsin Health Insurance Advocate, LLC.

Tuescher explains that as of January 1, most insurance companies now apply what is called cost sharing to COVID-19 treatments. So if you have COVID-19 and need to be hospitalized, that means your deductible, co-pay or coinsurance kicks in for your medical treatment rather than being 100% covered by your health insurance company. .

“Now going in for COVID-19 treatment is like going in for any other condition, just like having a heart attack or whatever, you’d have your full cost share,” he said. she explains.

“The availability of vaccines and the fact that vaccines are 100% covered by almost all insurance, there are a few policies that don’t, but most of them, is definitely a contributing factor to that,” she said.

Anyone who is uninsured should see if their medical provider will agree to bill the federal government for COVID-19 treatment.

When it comes to COVID-19 testing coverage, the government is still taking note for those with or without insurance.

Uninsured people must go to a publicly funded testing site.

Click on here to find a community COVID-19 testing site in your Wisconsin county.

What’s new in 2022 is that if you have private health insurance, your insurance company will now have to cover the cost of eight home COVID-19 tests per month.

Tuescher says testing coverage is limited for those with a short-term medical policy.

“It rarely includes testing, vaccinations. Some, at this point, don’t cover COVID-19 treatment at all. They specifically exclude pandemic conditions,” she said.

As for COVID-19 vaccines, they continue to be free for anyone living in the United States with or without insurance.

the CDC points out that clinics, pharmacies or medical providers cannot charge you an office visit or administration fee if you have only had your COVID shot.

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Justin D. O'Neill