In an attempt to minimize the spread of coronavirus, most major insurers, including BCBS of Alabama, are covering coronavirus testing at 100% for now. While out-of-network claims may be processed as in-network, plan participants will likely be subject to balance billing.

Employers with self-insured health plans that charge a copay or coinsurance for medically necessary diagnostic testing, may want to consider whether to cover coronavirus testing at 100%. If so, written approval from the stop loss carrier is necessary to confirm coverage for this change, and the TPA must be notified.

The IRS issued Notice 2020-15 yesterday to allow individuals to maintain HSA eligibility even if their High Deductible Health Plan covers coronavirus testing and treatment at 100% prior to meeting the deductible.

Our bulletin below provides additional information about the IRS Notice.

Read Our Bulletin

If you have questions or need help, please contact one of our benefit consultants.