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How Your Plan Works with Coronavirus

For the most part, your coverage for coronavirus testing and treatment is the same as for other illnesses. As the situation changes, we may update our coverage. Here are the details.

Vaccines

Original Medicare covers coronavirus vaccines at no cost to you. This includes any booster shots that the CDC recommends for you.

Find a coronavirus vaccine near you

Get answers to common questions about the vaccine

Testing

There are two types of tests for coronavirus.

  • Diagnostic tests tell you if you currently have the virus that causes COVID-19. They're done with a nose or throat swab.
  • Antibody tests tell you if you already had the virus that causes COVID-19. Your body makes antibodies to fight viruses and other germs. These tests use a blood sample to check if you have the kind of antibodies that fight COVID-19. You'd only have them if you already had the virus.

As long as a provider orders one of these tests for you, your plan will cover it. And you won't have a copay while there's a state of emergency.

Your plan will also cover one diagnostic test that you get on your own without a provider's order. And you won't have a copay for this test while there's a state of emergency. If you get any other coronavirus tests, get a provider's order first so you can make sure your plan will cover it.

Before getting a home test, be sure it's FDA authorized.
If you buy a test to give yourself at home, you're covered only for tests that have received Emergency Use Authorization from the FDA. It's important that you use an FDA-authorized test because you'll get the most accurate results. Be sure to work with your doctor to understand what your results mean for you.

Telemedicine and Treatment

To help prevent the spread of coronavirus, many doctors are using telemedicine — visits by phone or online video — so you don't have to go to their office. You're covered for these visits and they won't cost you anything (we're currently waiving the normal copay).

For other care, your plan's standard rules, costs, and coverage all apply to coronavirus. So, you're covered for doctor visits, hospital stays, and other care with the same costs that you have for other conditions.


Stay safe from coronavirus

Find out how to protect yourself — and how we can help

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Get the facts

Understand what coronavirus is, how it spreads, and more

Learn About Coronavirus