Congress mandates COVID-19 tests be covered, so why are people getting a bill?

Congress mandates COVID-19 tests be covered, so why are people getting a bill?
Posted at 1:56 PM, May 14, 2020
and last updated 2020-05-14 15:50:24-04

Across the country, hundreds of thousands of Americans have already been tested for COVID-19, and while Congress has mandated the costs for the tests be covered, many patients are finding out that isn’t the case.

Long before the novel coronavirus swept across the nation, Anna Davis Abel was already wearing a mask to keep herself from getting sick. The 25-year-old graduate school teaching assistant has suffered from lupus for most of her life.

“The way everyone feels right now is the way it always feels to be living with a chronic illness,” she said via a Zoom interview.

Back in March, after returning home from a conference in California, Abel suddenly started feeling flu-like symptoms. At the time in West Virginia where she lives, COVID-19 tests were nearly non-existent.

On her medical records, which she shared as part of this story, her doctor wrote, “Unfortunately at this time COVID-19 testing is very limited and not widely available to most patients.”

Abel was initially diagnosed with the flu in early March, but days later when her fever wouldn’t go down, her doctor was finally able to order a test.

“I was going from super sweaty to cold. I developed a cough on the third or fourth day,” she described. “It was a helpless feeling, and it was frustrating.”

A few weeks after her visit to West Virginia University Town Centre clinic to see her primary care doctor, Abel received a bill in the mail. Records show that the graduate student was charged $2,121 for the visit and testing. Her healthcare provider, Aetna, initially paid $1,584.54 for the services.

That’s how Abel ended up with a bill for $536.46, a bill that she shouldn’t have received under the guidelines of Congress' recently passed CARES Act.

So, what happened?

Like many Americans, Abel is finding out there are loopholes in the system meant to protect them. Initially, she was tested for a respiratory disease. Eventually, she did receive a COVID-19 test, but her insurance company processed the initial respiratory test, instead of COVID-19, which isn’t covered under the CARES Act.

“This is like being kicked when you’re down,” she said. “I think it shows that at the end of the day, it’s a healthcare industry that is not first about health, it’s about profits.”

Eventually, Aetna reversed Abel’s charged, but experts say Americans need to pay close attention to their health insurance bills related to COVID-19.

“COVID-19 billing and medical debt as a result are going to become a nightmare,” said Craig Antico, who runs the non-profit RIP Medical Debt.

Antico says Americans being tested for COVID-19 need to watch out for surprise bills related to hospitals that may be out of network. He’s particularly worried about people who are uninsured being stuck in the same kind of loophole like Abel found herself in.

“It’s really going to put pressure on a tremendous amount of people,” Antico said.

Abel shared the following billing documents she received following the COVID-19 test she received:

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Reopening Ohio
Gov. Mike DeWine and the State of Ohio have established a plan to begin reopening Ohio businesses starting May 1. Below is a timeline of the businesses allowed to reopen.

May 1: Medical care – non-essential surgeries and procedures that do not require an overnight stay will be allowed beginning May 1.
May 4: Manufacturing, distribution and construction businesses that were ordered to cease activities may reopen on May 4, as well as general office environments.
May 12: Retail establishments and facilities will be allowed to reopen on May 12.
May 15: Salons, barbershops, day spas, tanning facilities, massage parlors, tattoo parlors and piercing businesses. Restaurants will be allowed to serve patrons on outdoor patios. More details here.
May 21: Restaurants and bars will be allowed to reopen for dine-in service. Read more here. Campgrounds will be allowed to reopen. Read more here.
May 22: Horse racing will be allowed to resume, with no spectators. Casinos and Racinos are not included in the reopening. Read more here.
May 26: Gyms, fitness centers, regulated pools, recreation centers and studios will be allowed to reopen, with new requirements. Non-contact and limited-contact sports leagues, such as golf, baseball and tennis will be allowed to resume. BMVs across Ohio will reopen, but government officials encourage citizens to utilize the BMVs online services when possible. Read more here.
May 31: Day care centers will be able to reopen in Ohio. Read more about the plan to reopen day cares here. Day camps and summer camps will also be allowed to operate. Details on that here.

While these announced reopenings encompass the majority of the businesses, agencies and events closed and canceled by the state's orders, the governor has not yet made an annoucements on when K-12 schools in the state will reopen, nor when places of public amusement, such as theme parks, gambling businesses, skating rinks, movie theaters, and others will be allowed to reopen. See a full list of indoor and outdoor places that remain closed here.

Click here for more details on the state's "Responsible RestartOhio" plan.