According to the Centers for Medicare and Medicaid Services, Department of Labor and Department of the Treasury, private health plans may not deny coverage of COVID-19 tests for members who are asymptomatic or have no known or suspected exposure to C-19. The tests must be covered without cost-sharing, prior authorization or other medical management as long as a licensed/authorized provider administers or refers the patient for the test.
In addition, insurers must cover point-of-care C-19 diagnostic tests and those provided at state-administered or locally administered testing sites although they are not required to – but may choose to – provide coverage of testing for reasons of public health surveillance or employment purposes.
This document provides an extensive FAQ on the subject and citations to relevant statutes.