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Covid test for travel not covered by insurance? #250411
03/18/2021 01:42 PM
03/18/2021 01:42 PM
Joined: Aug 2000
Posts: 75,789
Central Florida!
Carol_Hill Offline OP
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Carol_Hill  Offline OP
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Joined: Aug 2000
Posts: 75,789
Central Florida!
Just wanting some general feedback here. Are most people finding that their Covid tests for travel are NOT covered by insurance? I'm talking about the ones taken PRE-travel, not ones on SXM. I have zero expectation that test costs outside the US will be covered. We have Medicare and a supplement. I called the supplement people and the person I talked to didn't have the faintest clue. It seems that the website info on most sites seems to say they will submit to insurance for you, but probably it won't be covered.

I have tried to call the various labs, but am having a really hard time getting anyone to actually answer a phone call with regard to this question, but it seems to be the case that probably it will not be covered. That is OK, but just wanting some confirmation, as far as what most people are experiencing. Definitely plan on taking cost into consideration---along with how long results take--when booking a lab.

It seems that here in Florida they are running free testing sites, even for travel, but there are none within 1.5 hours of here.


Carol Hill
SXM Sponsors
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250430
03/18/2021 03:46 PM
03/18/2021 03:46 PM
Joined: Dec 2004
Posts: 4,345
Massachusetts
boucharda Offline
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boucharda  Offline
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Joined: Dec 2004
Posts: 4,345
Massachusetts
I think it might depend on location and place of testing. The State testing sites in both MA and RI are no charge (travel as a reason for testing)

Edit: I don't know where you are located except for "Central FL" but Orlando has a drive through free testing site

Quote
Regional Drive-Through Testing Site at the Orange County Convention Center

Last edited by boucharda; 03/18/2021 03:51 PM.
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250433
03/18/2021 03:55 PM
03/18/2021 03:55 PM
Joined: Jul 2008
Posts: 201
M
MrWhiskerssammy Offline
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MrWhiskerssammy  Offline
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M
Joined: Jul 2008
Posts: 201
We are having the same problem/question. If you have an AFC Urgent Care in your area, they are telling me that the will take our insurance so there would be no cost from them for the test. Having said that, I don't know if my insurance will actually pay for it. I believe that it depends on every individuals own type of insurance. I'm sure it differs from carrier to carrier. If we have to pay so be it. At least they are close by to where we live.

we are in Florida, too, and are planning to leave for SXM March 26. We will have a pcr test on Sunday and if no results back by Wed. will get a rapid antigen. I guess we shall just have to see how this plays out. Hope that in a few months--if you are vaccinated, and the numbers in both the States and the Island are down that all this might go away.

Good luck to you--and to us as well!!

Re: Covid test for travel not covered by insurance? [Re: boucharda] #250436
03/18/2021 04:15 PM
03/18/2021 04:15 PM
Joined: Aug 2000
Posts: 75,789
Central Florida!
Carol_Hill Offline OP
Traveler
Carol_Hill  Offline OP
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Joined: Aug 2000
Posts: 75,789
Central Florida!
boucharda--right, Florida has free sites, but only in the large population centers. As I said, none within 1.5 hours of here.

sammy--I will look for that provider around here, but it doesn't sound familiar.


Carol Hill
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250451
03/18/2021 06:40 PM
03/18/2021 06:40 PM
Joined: Jan 2003
Posts: 64
East Tennessee
lhbsurf Offline
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lhbsurf  Offline
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Joined: Jan 2003
Posts: 64
East Tennessee
Ours were free at our local pharmacy. I am assuming the filed it with our insurance company.


Laura
Re: Covid test for travel not covered by insurance? [Re: lhbsurf] #250452
03/18/2021 06:57 PM
03/18/2021 06:57 PM
Joined: Aug 2000
Posts: 75,789
Central Florida!
Carol_Hill Offline OP
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Carol_Hill  Offline OP
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Posts: 75,789
Central Florida!
lhbsurf--How long ago was that? Do you know whether the insurance company actually paid? What I am seeing is that they will SUBMIT it to insurance, but that doesn't mean that insurance will actually pay. As in, you don't have to pay up front, but eventually they will send you a bill.


Carol Hill
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250456
03/18/2021 07:26 PM
03/18/2021 07:26 PM
Joined: Mar 2009
Posts: 14,335
Auburn, WA
SXMScubaman Online content
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SXMScubaman  Online Content
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Posts: 14,335
Auburn, WA
I wonder if it would go towards your deductible.

Re: Covid test for travel not covered by insurance? [Re: SXMScubaman] #250459
03/18/2021 07:44 PM
03/18/2021 07:44 PM
Joined: Aug 2000
Posts: 75,789
Central Florida!
Carol_Hill Offline OP
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Carol_Hill  Offline OP
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Central Florida!
Actually, in MY case, I have no deductible..


Carol Hill
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250461
03/18/2021 07:52 PM
03/18/2021 07:52 PM
Joined: Jan 2002
Posts: 628
Bucks County PA
JohnB Offline
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JohnB  Offline
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Posts: 628
Bucks County PA
Both our tests to leave US were insurance/government paid we were told if our insurance didn't pay the government would. We have Medicare supplement. In St Martin we got antigen test for free from French Red Cross in Hope Estate. Both tests were delivered on time. 0

Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250466
03/18/2021 08:43 PM
03/18/2021 08:43 PM
Joined: Jul 2006
Posts: 12,795
Peaceful Eastern North Carolin...
GaKaye Offline
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GaKaye  Offline
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Posts: 12,795
Peaceful Eastern North Carolin...
Our test and lab were two separate items. The test was not paid; the lab was. We didn't try to file the test with Medicare or our supplement, so I guess it might have been covered if we had filed for reimbursement after the fact.


[Linked Image]
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250467
03/18/2021 08:52 PM
03/18/2021 08:52 PM
Joined: Jun 2003
Posts: 171
Upstate, NY
Mikel Offline
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Mikel  Offline
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Joined: Jun 2003
Posts: 171
Upstate, NY
The lab we went to in Florida in January advertised 'tests for travel' and stated right up front that they do not take insurance. Since I could not find a testing agency with the proper test near me here in NY, I gladly paid out of pocket for our tests.

Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250476
03/19/2021 06:52 AM
03/19/2021 06:52 AM
Joined: Feb 2007
Posts: 3,777
Rhode Island
RonDon Offline
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RonDon  Offline
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Posts: 3,777
Rhode Island
When going just don't tell locals that the test is for travel or say you have symptoms. Just say you THINK you came in contact with someone infected. As far as the return test in SXM we plan to absorb the cost as part of the vacation cost.

Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250477
03/19/2021 07:15 AM
03/19/2021 07:15 AM
Joined: Jan 2003
Posts: 684
Grosse Pointe, Michigan
Leagle49 Offline
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Leagle49  Offline
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Posts: 684
Grosse Pointe, Michigan
We used Passport Heath in Michigan. The test itself was not covered ($150) but the lab part was. I have Medicare and AARP Supp. John has Blue cross.

Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250480
03/19/2021 08:06 AM
03/19/2021 08:06 AM
Joined: Jul 2004
Posts: 998
falmouth,MA
wendyk Offline
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wendyk  Offline
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Posts: 998
falmouth,MA
In Nov. I was told (in MA) I might NOT be covered for travel and submitted my insurance cards. Have yet to be billed.

Re: Covid test for travel not covered by insurance? [Re: wendyk] #250483
03/19/2021 08:50 AM
03/19/2021 08:50 AM
Joined: Aug 2000
Posts: 75,789
Central Florida!
Carol_Hill Offline OP
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Carol_Hill  Offline OP
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Posts: 75,789
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OK, kind of sounds like what I thought, it's a mishmash. I don't understand the difference between the cost for the test versus the cost for the lab. But we can just plan on paying out of pocket, which is what I thought.


Carol Hill
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250487
03/19/2021 09:25 AM
03/19/2021 09:25 AM
Joined: Jan 2003
Posts: 684
Grosse Pointe, Michigan
Leagle49 Offline
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Leagle49  Offline
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Grosse Pointe, Michigan
Carol, think of it this way. When you go to your Doctor and he or she draws blood. There's a charge for the Dr. drawing the blood and then a separate charge by a lab for analyzing the blood. Tow separate line items on the medicare monthly statement.

Re: Covid test for travel not covered by insurance? [Re: Leagle49] #250490
03/19/2021 09:33 AM
03/19/2021 09:33 AM
Joined: Aug 2000
Posts: 75,789
Central Florida!
Carol_Hill Offline OP
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Carol_Hill  Offline OP
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Actually we always go to Quest for our blood tests, not our regular doctor. For years, our insurance had a zero co-pay if we went to Quest and we always did it that way. Much easier than going to the doctor for it, especially when it was a fasting test.

But that does give me an explanation of the difference.


Carol Hill
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250498
03/19/2021 11:52 AM
03/19/2021 11:52 AM
Joined: Aug 2000
Posts: 2,519
MIA
I
irina Offline
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irina  Offline
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Joined: Aug 2000
Posts: 2,519
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Carol,

Did you ask Quest?

i

Re: Covid test for travel not covered by insurance? [Re: irina] #250499
03/19/2021 11:55 AM
03/19/2021 11:55 AM
Joined: Aug 2000
Posts: 75,789
Central Florida!
Carol_Hill Offline OP
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Carol_Hill  Offline OP
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Posts: 75,789
Central Florida!
the place where I normally go to Quest, they do NOT do Covid testing there. Not sure why. I didn't look online to see if there is another Quest place around here close.


Carol Hill
Re: Covid test for travel not covered by insurance? [Re: Carol_Hill] #250504
03/19/2021 12:09 PM
03/19/2021 12:09 PM
Joined: Aug 2000
Posts: 2,519
MIA
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irina Offline
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irina  Offline
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Joined: Aug 2000
Posts: 2,519
MIA
I just did. Just type in Quest Covid test and you get the entire story.
Plus MCare should pick it up.
Michael has MCare and BC supplemental and he didn't pay anything.
Had his done at U of M hospital.
Cheers
irina

Re: Covid test for travel not covered by insurance? [Re: irina] #250506
03/19/2021 12:13 PM
03/19/2021 12:13 PM
Joined: Aug 2000
Posts: 75,789
Central Florida!
Carol_Hill Offline OP
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Carol_Hill  Offline OP
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Posts: 75,789
Central Florida!
Irina--OK, thanks. Will check out the Quest website..


Carol Hill

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