COVID-19 care is likely to get more expensive for Americans with the expiration of insurers’ temporary waivers on costs associated with treating the illness.
Earlier in the pandemic, patients did not have their normal copayments or deductibles for emergency department visits or hospital stays for COVID-19, and most tests were also free, The New York Times reported.
As the pandemic continues to rage nationwide, federal law still requires that insurers cover testing at no cost to patients when they have a medical reason for seeking care, such as exposure to the disease or a display of symptoms. However, more of the tests now being sought by Americans are for monitoring and do not qualify as a medical reason, The Times reported. For example, the federal rules for free COVID-19 tests have exemptions for routine workplace and school testing.
Some patients have already received bills as high as $200 for routine screenings, according to patient documents submitted to a Times project tracking the costs of COVID-19 testing and treatment. However, “insurers are confronting the question about whether the costs of COVID treatment should fall on everyone, or just the individuals who have chosen not to get a vaccine,” Cynthia Cox, a vice president at the Kaiser Family Foundation who has researched how insurers are covering COVID-19 treatment, told The Times.
Some of the highest bills are likely to be faced by COVID-19 patients who require extensive hospital care, and most of those patients are now unvaccinated. A recent Kaiser Family Foundation study revealed that 72 percent of large health plans are no longer making COVID-19 treatment free for patients. Unvaccinated people could also face other increased costs. Delta Air Lines and some other businesses plan to charge unvaccinated workers higher rates for insurance, pointing to high hospitalization costs for COVID-19, The Times reported.
Research shows that the average COVID-19 hospitalization costs about $40,000, while a longer stay that includes time in the intensive care unit or air ambulance transfer can cost many times more.
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