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​Common Questions

What has the federal government done in response to the COVID-19 pandemic?

Congress has passed the following legislation:

  • Families First Coronavirus Response Act
  • Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020

In addition, Congress is considering additional legislation and economic stimulus measures.

How does the Families First Coronavirus Response Act impact what I pay?

 Group Health Plans, Self-Insured (Self-funded) Plans and Individual or Group Coverage through the marketplace.

  • Requires coverage of testing with no cost-sharing and no prior authorization or other medical management requirements:
      • Provider visits (office, urgent care, ER) including telehealth, that result in order or administration of the test
      • Must relate to furnishing or administration of those products, or evaluating need for the products
      • The test must be medically necessary for COVID-19.


  • Provides for 100% of payment for COVID-19 testing with no cost sharing and the deductible does not apply

Medicare Advantage Program 

  • Provides for coverage of clinical diagnostic lab tests during the emergency with no cost sharing and no prior authorization or utilization management requirements

Medical Assistance (Medicaid)

  • Provides for coverage of testing and medical visit related to testing "for which payment may be made under the State plan" with no cost-sharing 


  • Provides coverage for testing with no cost-sharing

TRICARE, Coverage for Veterans, and Coverage for Federal Civilians

  • Provides coverage for testing with no cost-sharing for TriCare, VA, and Federal Civilians

Indian Health Services

  • Provides coverage for testing with no cost-sharing for Indians receiving care through Indian Health Service