COVID-19 Testing Coverage Expectations

On July 10, 2020, Director Cameron released Bulletin 20-13, which recommends that insurance carriers take a number of steps to effectively remove the barriers to testing and treatment of the COVID-19 virus. Specifically, the Department of Insurance recommends that carriers:

  • Establish and publicize how insured individuals can correspond directly with the carriers about prevention and testing of COVID-19
  • Relax prior approval requirements and procedures for receiving COVID-19 testing and treatment
  • Ease out-of-network requirements and procedures when access to urgent testing or treatment is unavailable from in-network providers
  • Forgo any cost sharing for COVID-19 testing

The guidance also recommends that carriers cover both diagnostic and antibody testing. Further, they suggest that any carriers that serve as the plan administrator for self-funded plans should also follow this guidance. Plan sponsors should be aware that the state of Idaho is suggesting these measures to insurers.

Bulletin 20-13 »