• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
(808) 400-6680
  • Blog
  • Contact
  • Locations
  • MyATLAS Connection
  • Pay Online
Atlas Logo

Atlas Insurance Agency

Hawaii's Largest Insurance Agency

  • Business
    • Auto
    • Benefits Consulting
      • Group Health
      • Group Life
      • Self Funding
    • Small Business
    • Casualty
      • Cyber Liability
      • Directors & Officers
      • Employment Practices
      • Errors & Omissions
      • General Liability
      • Workers Compensation
    • Property
      • Builders Risk
      • Cargo
      • Crime
      • Flood
      • Hurricane
      • Income
    • Risk & Claims Consulting
      • Claims Management
      • Risk Control
    • Surety Bonds
    • Umbrella
  • Personal
    • Atlas Insurance Analysis
    • Auto
    • Homeowners
      • Earthquake
      • Flood
      • Hurricane
    • Private Client Group
      • Collections
      • Fine Art
      • Jewelry
    • Renters
    • Umbrella
    • Watercraft
  • Benefits Consulting
    • Group Health
    • Group Life
    • Self Funded
    • Small Business Unit
  • Industries
    • AOAO
    • Architects & Engineers
    • Attorneys
    • Auto Dealers
    • Construction
    • Financial Institutions
    • Hospitality
    • Manufacturing
    • Medical
    • Moving Companies
    • Nonprofits
    • Public Officials
    • Real Estate
    • Renewable Energy
    • Restaurants
    • Retail
    • Schools
    • Technology
    • Tour Buses
    • Wholesalers
  • About
    • Careers
    • FAQs
    • News
    • Newsletter
    • Philanthropy
    • Team
    • Testimonials
  • Blog
  • Contact
  • Locations
  • MyATLAS Connection
  • Pay Online
  • (808) 400-6680
  • Get An Insurance Quote
Get An Insurance Quote

Health Plans Must Provide Free Coronavirus (COVID-19) Testing

March 19, 2020, by Atlas Insurance Agency

On March 18, 2020, President Trump signed the second coronavirus relief measure into law — the Families First Coronavirus Response Act (Act). Effective immediately, the Act requires group health plans and health insurance issuers to cover COVID-19 testing without imposing any cost sharing (such as deductibles, copayments or coinsurance) or prior authorization or other medical management requirement.

  • Employer-sponsored group health plans must cover COVID-19 testing, without imposing a deductible, copayment or other cost sharing.

  • This mandate applies to fully insured group health plans and self-insured group health plans, regardless of size.

  • HDHPs can provide first dollar coverage for COVID-19 testing and remain HSA-compatible.

Coverage Mandate

This coverage mandate applies to the following health plans and issuers, regardless of grandfathered status under the Affordable Care Act (ACA):

  • All fully insured group health plans
  • All self-insured group health plans
  • Health insurance issuers offering group or individual coverage

During this public health emergency, health plans and issuers must cover FDA-approved diagnostic testing products for COVID-19, including any items or services provided during a visit to a provider (in-person or telehealth), urgent care center or emergency room that relate to COVID-19 testing. This coverage cannot be subject to any plan deductible, copayment or coinsurance.

This coverage mandate does NOT require health plans and issuers to cover COVID-19 treatment at no charge. Exact coverage details for COVID-19 treatment, including any cost-sharing amounts, will vary by plan.

Guidance for HDHPs

The IRS has advised that high deductible health plans (HDHPs) can pay for COVID-19 testing and treatment before plan deductibles have been met without jeopardizing their status. According to the IRS, individuals who are participating in these plans may continue to contribute to their HSAs.

Download Health Plans Must Provide Free Coronavirus (COVID-19) Testing.

News

Primary Sidebar

Have A Question?

Reach out to the professionals at Atlas Insurance Agency, and our team will respond to your inquiry as soon as possible.
  • This field is for validation purposes and should be left unchanged.

Footer

Atlas Insurance Logo
Corporate Headquarters 201 Merchant Street, Suite 1100 Honolulu, HI 96813
(808) 400-6680
info@atlasinsurance.com

Business Insurance

  • Small Business
  • Commercial Auto
  • Commercial Casualty
  • Commercial Property
  • Commercial Umbrella
  • Employee Benefits
  • Risk Control
  • Claims Management
  • Surety Bonds

Personal Insurance

  • Homeowners
  • Personal Auto
  • Personal Property
  • Personal Umbrella
  • Watercraft

© 2023 Atlas Insurance · Powered by 321 Web Marketing · Website Privacy Policy & Terms of Use