Does Medicare Cover COVID-19 Testing and Services?

Medicare covers all the costs for FDA-approved COVID-19 tests. It will also cover vaccines and FDA-approved treatments, but you are responsible for deductibles, copayments and coinsurance for many COVID-19 costs.

What Does Medicare Cover for COVID-19?

COVID-19 tests, along with outpatient and inpatient services related to COVID-19 treatment, are covered by Original Medicare and Medicare Advantage plans.

All testing costs are covered if you are on Medicare, but you may have out-of-pocket costs for COVID-19 treatment and other services. Your out-of-pocket costs can vary depending on the length of your treatment and the type of Medicare coverage you have.

Medicare has also promised to pay the full cost for COVID-19 vaccines when those shots become available. If you have Medicare, you should not have to pay any -out-of-pocket to get a vaccine, regardless of whether it requires one or two shots.

On Nov. 10, 2020, Medicare also announced it would cover a share of the cost for bamlanivimab – a monoclonal antibody delivered as an infusion to treat people with COVID-19. Its maker, Eli Lilly and Company, received an emergency use authorization from the U.S. Food and Drug Administration to market it as a treatment.

Bamlanivimab is delivered intravenously. Medicare will cover the treatment for beneficiaries whether it’s given in a hospital or other free-standing treatment facility, through a home health agency, nursing home or health care providers that contract with nursing homes.

COVID-19 Costs Medicare Will Cover
  • Lab tests for COVID-19
  • Certain tests for related respiratory conditions that can aid in diagnosing COVID-19 (when done alongside COVID-19 tests)
  • Antibody tests authorized by the Food and Drug Administration (also called serology tests)
  • Inpatient and outpatient services related to COVID-19 treatment (out-of-pocket costs may apply)
  • Medically necessary hospitalizations related to COVID-19 (out-of-pocket costs may apply)
  • COVID-19 vaccines (when available)
  • FDA-approved treatments

Since COVID-19 became a global pandemic, Medicare has moved to cover additional services, expand access to telehealth and waive restrictions. Many of these moves are only temporary until the national emergency passes.

Additional Steps Medicare Has Taken Due to COVID-19
  • Allowed Medicare Advantage and Medicare Part D plans to waive or relax prior authorization rules for prescriptions
  • Cleared hospitals to offer services such as off-site screenings in other facilities
  • Waived certain requirements for skilled nursing facilities
  • Instructed nursing homes and hospitals to review their infection control procedures
  • Expanded telehealth services, roughly doubling the services available

What You Should Know About Medicare and COVID-19 Testing

Medicare covers the costs of lab tests to see if you currently have COVID-19 as well as FDA-authorized antibody – or serology – tests that can determine if you had COVID-19 in the past. If you have Medicare, you will have no out-of-pocket costs for these tests.

Medicare Advantage Plans and COVID-19 Testing
If you have a Medicare Advantage plan, the plan is not allowed to charge you a deductible, copayment or coinsurance for any approved lab tests used to detect or diagnose COVID-19.

Testing can help stop the spread of COVID-19 and improve your chances of recovering.

If you test positive, you can get medical attention sooner, before the virus advances.

Health care professionals can also trace any people you’ve come into contact with and warn them of the risk of potential infection, allowing them to self-isolate or go into quarantine so they don’t spread the disease to other people.

Tests to Diagnose or Rule Out COVID-19

Medicare Part B medical insurance covers tests to determine if you have COVID-19.

If you undergo any tests to either diagnose or rule out COVID-19 — whether done by a lab, pharmacy, doctor or hospital — Medicare will cover the full cost. You will not be responsible for any out-of-pocket costs.

Tests Used to Diagnose COVID-19
PCR test
Also called a molecular test, PCR tests collect genetic material that can identify the virus with a swab of the nasal passage, the throat or saliva. Results can take a few days with some tests, but rapid test versions can return results in a few minutes. PCR tests are very accurate, but the rapid version can miss some positive cases.
Antigen test
Antigen tests look for proteins in the virus using a nasal or throat swab to deliver results in minutes. Positive test results are very accurate with antigen tests, but there is an increased chance of returning false-negatives — meaning you may have the virus and the test misses it. Because of this chance, if you test negative with an antigen test, your doctor will often order a PCR test to make sure you’re not infected.

Diagnostic tests may be done by your doctor or pharmacist, a laboratory technician, home health nurse or other properly trained health professional or assistant.

Antibody Tests for COVID-19

Medicare Part B medical insurance covers the costs of antibody tests approved by the U.S. Food and Drug Administration. You pay nothing for these tests.

Antibody tests — also called serology tests — can sometimes determine if you previously had COVID-19. They work by testing whether you have developed an immune response to COVID-19 and therefore may not be at immediate risk of COVID-19 reinfection.

If the test shows that your body has antibodies against COVID-19, this indicates that you had the virus at some point in the past. Timing plays an important role in the accuracy of antibody tests.

These tests are usually done after full recovery from COVID-19. Antibody tests are not recommended until 14 days after you first experience symptoms.

It’s still not clear to what extent or for how long antibodies will protect you from reinfection. It’s important to keep up social distancing, mask use and other public health precautions even if you test positive for COVID-19 antibodies.

What COVID-19 Treatment and Services Does Medicare Cover?

If you have COVID-19, Original Medicare (including Medicare Part A hospital insurance and Part B medical insurance) and Medicare Advantage plans cover several inpatient and outpatient treatments and health care services.

The U.S. Centers for Medicare and Medicaid Services also announced in Nov. 2020 that it was “taking action to increase reimbursement for any new COVID treatments that are approved by the FDA.”

COVID-19 Treatments and Services Covered By Original Medicare
  • Certain home health care visits
  • Doctor visits
  • Emergency ambulance transportation
  • Emergency room visits
  • Hospice care
  • Hospital stays
  • Outpatient services
  • Skilled nursing facility stays
  • Vaccines when available
  • FDA-approved treatments

Under Original Medicare, Medicare Part A covers services related to inpatient hospital, hospice and skilled nursing facility care. Medicare Part B covers outpatient services, including doctor visits. Medicare Advantage plans are required to cover the same services as Original Medicare.

How Much Do You Have to Pay Out-of-Pocket?

If you are on Medicare and require health care because of COVID-19, you may have to pay out-of-pocket expenses. These expenses include deductibles, copayments and coinsurance.

Under Medicare Part A hospital insurance, the $1,408 deductible in 2020 still applies. You will also have to pay daily copayments for hospital stays longer than 60 days. This includes a $352 per day copayment from day 61 through day 90 and $704 per day for lifetime reserve days beyond that.

Medicare Part B will cover skilled nursing facility care if you need it after COVID-19 treatment, but you will have a copayment of $176 per day after 20 days.

You also have to meet your $198 Part B deductible in 2020 and pay 20 percent of most covered services including doctor visits and ambulance transport.

If you have a Medigap policy, it may offset some of these out-of-pocket costs. Your out-of-pocket responsibilities may vary with Medicare Advantage plans. Check with the plan administrator for your Medigap or Medicare Advantage plan to find out exactly what your responsibilities may be if you are treated for COVID-19.

Last Modified: November 23, 2020

13 Cited Research Articles

  1. U.S. Centers for Medicare & Medicaid Services. (2020, November 13). CMS Takes Steps to Ensure Medicare Beneficiaries Have Wide Access to COVID-19 Antibody Treatment. Retrieved from https://www.cms.gov/newsroom/press-releases/cms-takes-steps-ensure-medicare-beneficiaries-have-wide-access-covid-19-antibody-treatment
  2. U.S. Centers for Medicare & Medicaid Services. (2020, November 13). Medicare Monoclonal Antibody COVID-19 Infusion Program Instruction. Retrieved from https://www.cms.gov/files/document/covid-medicare-monoclonal-antibody-infusion-program-instruction.pdf
  3. U.S. Centers for Medicare & Medicaid Services. (2020, November 13). Trump Administration Acts to Ensure Coverage of Life-Saving COVID-19 Vaccines and Therapeutics. Retrieved from https://www.cms.gov/newsroom/press-releases/trump-administration-acts-ensure-coverage-life-saving-covid-19-vaccines-therapeutics
  4. Eli Lilly and Company. (2020, November). Fact Sheet for Health Care Providers; Emergency Use Authorization (EUA) of Bamlanivimab. Retrieved from http://pi.lilly.com/eua/bamlanivimab-eua-factsheet-hcp.pdf
  5. U.S. Centers for Medicare & Medicaid Services. (2020, October 15). CMS Changes Medicare Payment to Support Faster COVID-19 Diagnostic Testing. Retrieved from https://www.cms.gov/newsroom/press-releases/cms-changes-medicare-payment-support-faster-covid-19-diagnostic-testing
  6. O’Brien, S. (2020, October 2). Some Medicare Beneficiaries Who Catch COVID-19 May Face Huge Bills for Care. Retrieved from https://www.cnbc.com/2020/10/02/here-are-costs-medicare-beneficiaries-may-face-for-covid-19-treatment.html
  7. Marshall, W.F. (2020, August 19). How Do COVID-19 Antibody Tests Differ From Diagnostic Tests? Retrieved from https://www.mayoclinic.org/diseases-conditions/coronavirus/expert-answers/covid-antibody-tests/faq-20484429
  8. Podulka, J. and Blum, J. (2020, August 4). Regulatory Changes to Medicare in Response to COVID-19. Retrieved from https://www.commonwealthfund.org/publications/issue-briefs/2020/aug/regulatory-changes-medicare-response-covid-19
  9. Center for Medicare Advocacy. (2020, June 3). COVID-19 and Medicare. Retrieved from https://medicareadvocacy.org/covid-19-and-medicare-post/
  10. Cubanski, J. and Freed, M. (2020, May 5). FAQs on Medicare Coverage and Costs Related to COVID-19 Testing and Treatment. Retrieved from https://www.kff.org/coronavirus-covid-19/issue-brief/faqs-on-medicare-coverage-and-costs-related-to-covid-19-testing-and-treatment/
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