Insights

Health Insurers Ordered to Cover COVID Testing


On March 10, 2020, the New Hampshire Insurance Department ordered health insurers in New Hampshire to cover the costs of testing for COVID-19 for insureds who meet the CDC criteria for testing (including in-network provider office visits, urgent care visits or emergency services). This also includes out-of-network testing if in-network providers are unavailable.

In addition, the Department directs all health insurance carriers to:

  • Keep consumers informed by providing members with information and timely access to all medically necessary covered health care services.
  • Provide coverage for testing services regardless of any site of service (in the event of labs or specialized testing sites), provided such site has all necessary public health approvals.
  • Ensure all telehealth programs are robust to meet any increase in demand. Health carriers may not deny coverage because it was provided through telemedicine.

The above requirements are not exhaustive. Employers with employees in New Hampshire should consult their carriers, as applicable, and be aware of the Insurance Commissioner’s directives when addressing questions regarding health insurance coverage and COVID-19.

INS No. 20-016-AP »