This article was updated to reflect changes in government and insurers’ policies.
Policies regarding your out-of-pocket costs for coronavirus testing and treatment are changing rapidly.
State insurance regulators are taking steps to limit how much you might eventually owe, and insurance companies and employers have also changed the rules for most plans to eliminate deductibles or co-payments for testing.
Now insurers are starting to waive out-of-pocket costs if you need to go to the hospital, and that could reduce your bills. But it’s still unclear how much you’ll wind up paying, leaving public health experts worried that people who are sick may hesitate to get medical care because of concerns over bills.
“The problem is we have reams and reams of evidence that if people know they face hundreds or thousands of dollars in bills, they’ll hesitate, they’ll wait and see,” said Sabrina Corlette, a research professor at Georgetown University.
But insurers and employers are taking steps to limit what you might owe. “Almost every relevant person or entity has said something about holding consumers harmless,” said Katherine Hempstead, a senior policy adviser at the Robert…
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