Does Medicare Cover COVID-19 Testing?

Yes, Medicare Part B covers COVID-19 testing when it is ordered by a doctor or other authorized healthcare provider. If you have Original Medicare, the test is covered, and you typically pay nothing for the test itself as long as the provider accepts Medicare assignment.

When you are navigating your healthcare options, it is important to understand how the two paths of Medicare handle these tests. If you choose the Traditional Medicare path (Part A and Part B), your COVID-19 testing is covered under Part B as an outpatient diagnostic test. If you decide to add a Medicare Supplement (Medigap) plan to fill the gaps, it will help cover any remaining coinsurance or deductibles for related services, though the test itself is usually fully covered by Part B.

On the other hand, if you choose the Medicare Advantage path, your plan must also cover COVID-19 testing. However, you may need to follow specific network rules or use preferred labs, depending on your plan's structure. The real choice is Traditional Medicare versus Medicare Advantage, and understanding how each handles diagnostic testing like this is crucial for your peace of mind.

We believe in straight answers, no surprises. You've paid into this system your whole life, and you deserve to know exactly what is covered when you need it. Protect what you've earned by understanding your rights and benefits. We are on your side of the table, ready to walk you through every option so you can make the best decision for your health and your wallet. Self-reliance isn't a slogan; it's about having the facts to take charge of your care.

It is also worth noting that while the test itself is covered, you might still face costs for the doctor's visit where the test is administered. Under Traditional Medicare, Part B covers 80% of the Medicare-approved amount for the visit, and you are responsible for the remaining 20% after you meet your Part B deductible. This is where a Medigap plan can step in to cover that 20% coinsurance.

If you are admitted to the hospital due to COVID-19, Medicare Part A will cover your inpatient stay, subject to the Part A deductible and any applicable coinsurance. Again, a Medigap plan can help cover these out-of-pocket costs, ensuring you aren't hit with unexpected bills during a stressful time.

Don't leave your healthcare to chance. Whether you are leaning toward Traditional Medicare with a supplement or considering a Medicare Advantage plan, you need to know how your coverage works before you need it. Compare free, no obligation, and let us help you find the right fit for your needs.