No. Costs for approved COVID-19 testing and associated costs should be covered and completely paid for by public and private insurance for insured patients or by the government for uninsured patients. You should not have to pay a copay, coinsurance, or meet your deductible.
The covered costs include lab tests for the detection or diagnosis of the virus that causes COVID-19, the administration of the lab tests, and items and services provided to a patient during provider visits resulting in orders for or administration of the lab tests. Visits to a provider's office (including in-person and telehealth visits), urgent care centers, and emergency rooms that result in an order for or administration of the lab tests are also covered.
If your health care provider determines that other tests (e.g., influenza tests, blood tests, etc.) should be performed during a visit to determine your need for COVID-19 diagnostic testing, and the visit results in an order for or administration of COVID-19 diagnostic testing, those other costs are also covered.
Call the Attorney General's Health Education and Advocacy Unit (HEAU) for assistance. If you are insured, also call the number on your insurance card for assistance. If you are uninsured, inform health care providers that the Maryland Department of Health and the U.S. Department of Health and Human Services have emergency funding available to pay providers and laboratories the cost of COVID-19 testing and associated costs, subject to their claims filing processes.
COVID-19 testing is a covered service under most plans. If you have a short-term medical plan or belong to a health care sharing ministry, testing may not be a covered service, but claims for your COVID-19 testing and associated costs may be submitted to www.hrsa.gov/CovidUninsuredClaim. If your plan claims that testing is not a covered service, you may call the HEAU for additional information and assistance.
No. Prior authorization or other medical management requirements relating to COVID-19 testing by public and private insurance are prohibited for the duration of the public health emergency.
Contact the HEAU for assistance. COVID-19 testing must be covered when your licensed health care provider, acting within the scope of their license, determines that testing is needed.
No. Public and private insurance plans must pay the provider a negotiated rate that was agreed to before the service is rendered, or the cash price posted on the provider's public website.
Contact the HEAU for assistance if a health care provider bills you for all or part of the costs associated with COVID-19 testing. The HEAU will investigate the complaint and mediate your billing dispute with the provider and/or the insurer.
Complaints can be filed at www.MarylandCares.org. Consumers can also call the HEAU hotline at 410-528-1840, 410-230-1712 (en Español), 1-877-261-8807 (toll-free), or email HEAU@oag.state.md.us.
200 St. Paul Place, Baltimore, MD 21202
410-576-6300 / En español 410-230-1712 / 1-888-743-0023 toll-free / TTY: Dial 7-1-1 or 800-735-2258