Health Insurance

Does Your Health Insurance Cover you For COVID-19?

Although most Americans diagnosed with COVID-19 are able to recover at home, treatment for the roughly 15% of patients who require hospitalization can be exorbitantly expensive. And while many insurers are helping people pay for coronavirus-related costs, figuring exactly what is covered — and what isn’t — can be confusing.

Here’s what you can expect from your health insurer if you need testing or treatment stemming from the virus.


All comprehensive health insurance plans must pick up 100% of the cost of coronavirus testing, as well as any visit to the emergency room, doctor’s office or urgent care center that may have led to that testing. That includes any COVID-19 test deemed appropriate by the U.S. Department of Health and Human Services.

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