COVID-19 Testing and Related Treatment Costs and Resources
What is the price of COVID-19 Testing?
- $140 for the test and $46 for the specimen collection
Do I need to pay in advance for COVID-19 testing, treatment, or follow-up care?
- No advance payment is required from patients for COVID-19 testing, treatment, or follow-up care with an FHN health provider. Patients may receive a bill for these services at a later time.
What should I know about billing and insurance for COVID-19 testing and COVID-19 related treatment?
- If you have insurance coverage, FHN will file a claim to your insurance company on your behalf. Many insurance companies are waiving patient cost-sharing, co-pays, and deductibles for COVID-19 Testing and COVID-19 Treatment. For questions regarding COVID-19 Testing and Treatment coverage specific to your insurance policy please contact your insurance company directly.
- If you are uninsured, please contact our Central Business Office Customer Service at 815-599-7950, to review available options to help with COVID-19 testing and COVID-19 related treatment.
How are telehealth or virtual visits being billed?
- FHN will file a claim for telehealth and virtual visits to the patient's insurance company and any co-pay, co-insurance, or deductible amount will be billed to the patient as determined by the patient's insurance policy.
- If you are uninsured, visit our financial assistance program information page.
I lost my job recently and need health insurance, what are my options?
Coronavirus Outbreak and Health Coverage Programs -The outbreak of the novel coronavirus (COVID-19) has prompted job losses and income reductions, leading many families to seek new sources of health coverage or additional help paying for it. In many cases, people can find affordable options through the health insurance marketplaces, Medicaid, or the Children's Health Insurance Program (CHIP). Below are some answers to help people understand who is eligible to enroll in coverage.
Can people who need health coverage now enroll in a marketplace plan?
- To enroll in a marketplace plan outside of the yearly open enrollment period, people generally must experience a situation that triggers a "special enrollment period" or SEP. The events that trigger an SEP include the loss of other health coverage, a permanent move, and getting married or having a baby. (See a complete list.)
- People who lose or quit their jobs and therefore lose their employer-provided health benefits will be eligible for the "loss of coverage" SEP, allowing them to enroll in marketplace plans, including with premium tax credits if they qualify. This SEP is also available to people who lose their job-based coverage when their work hours are reduced or who have health coverage that is newly unaffordable because their employer stopped or reduced contributions to the premium.
- If you lost your job, but didn't also lose health coverage, because your former job didn't offer coverage: You generally won't qualify for a Special Enrollment Period. By itself, a job loss (or a change in income) doesn't make you eligible for a Special Enrollment Period to enroll in Marketplace coverage. See if you qualify for a Special Enrollment Period another way.
Info link: https://www.healthcare.gov/unemployed/coverage/
Specifics to COVID-19: https://www.healthcare.gov/coronavirus/
What is needed to verify SEP eligibility?
- When you apply for Marketplace coverage and qualify for a Special Enrollment Period, you may be asked to submit documents to confirm the events that make you eligible. You must send the documents before you can start using your coverage.
- You'll learn if you have to submit documents after you submit your application. Details and instructions appear in your eligibility notice.
- It's best to pick a plan first and submit your documents afterwards. After you pick a plan, you have 30 days to send the documents.
- Your coverage start date is based on when you pick a plan. But you can't use your coverage until your eligibility is confirmed and you make your first premium payment.
- If your eligibility notice doesn't say you need to submit documents, you don't have to. Simply pick a plan and enroll.
- Ready to upload now? Follow these steps.
Find more information
Can people who need health coverage now enroll in Medicaid or CHIP?
- Yes, if they are eligible. Enrollment in Medicaid or CHIP doesn't require a special enrollment period: people can enroll year-round. Some families have experienced income reductions that qualify them for these programs.
- Eligibility for Medicaid and CHIP depends on monthly income (unlike the marketplace, which looks at annual income) so people who have recently lost jobs and have no current income may well be eligible for Medicaid coverage, particularly if they live in a state that expanded Medicaid. People can apply for these programs directly through their Medicaid agency or at the marketplace. However, if a family is very likely to be eligible for Medicaid, they may get a faster eligibility determination in some states if they apply directly with the state Medicaid agency.
Can people with short-term health plans enroll in marketplace coverage?
- Short-term health plans, sometimes called short-term limited duration insurance or STLDI, differ from comprehensive individual-market health insurance because they do not have to meet the same standards (i.e., they typically exclude some "essential health benefits" such as mental health care and prescription drugs and do not cover people's pre-existing medical conditions).
- People enrolled in a short-term plan who want more comprehensive health and financial protection, or who are losing coverage under a short-term plan, can only enroll in a marketplace plan outside of open enrollment if they qualify for an SEP, including those temporary SEPs mentioned above that some states have provided in response to the outbreak.
- People who are enrolled in short-term plans are treated as uninsured, and so the expiration or termination of a short-term health plan does not trigger the "loss of coverage" SEP in the marketplace. If they don't have access to a temporary emergency SEP, and do not experience another SEP-triggering event, they may not be able to enroll. Short-term health plan enrollees can, however, qualify for Medicaid and CHIP if they are otherwise eligible. And if they do qualify to enroll in a marketplace plan, they can access premium tax credits and reduced cost-sharing charges if they are otherwise eligible; having a short-term plan does not prevent this.