Does my IBA administered health plan cover the test for COVID-19?
All IBA health plans will waive member cost sharing, including copayments, coinsurance and deductibles, for approved and authorized COVID-19 testing for members enrolled in comprehensive IBA medical plans. Testing must be provided at approved locations in accordance with U.S. Centers for Disease Control and Prevention (CDC) guidelines.
Other costs beyond the test will be covered based on medical plan benefits and applicable state and federal mandates. Therefore, deductibles, copayments and coinsurance would apply to care, services or supplies beyond the test itself.
Do high-deductible plans with a Health Savings Account (HSA) cover the COVID-19 test prior to reaching a deductible?
Yes. IBA will cover the COVID-19 test at no cost share prior to the member meeting their deductible. Other costs beyond the test will be covered based on medical plan benefits. Therefore, deductibles, copayments and coinsurance would apply to care, services or supplies beyond the test itself.
Can a member self-refer for the test?
No. A member should call their primary physician right away if they believe they might have been exposed to COVID-19. The provider will have special procedures to follow. If a COVID-19 test is indicated, the provider will collect a respiratory specimen and the test will be covered. In certain situations, the provider may refer a member to one of the approved testing locations and IBA will cover the test at no cost.
What is IBA doing to help members concerned with COVID-19, also called coronavirus?
IBA has a team of experts closely monitoring COVID-19, formerly known as the Novel Coronavirus or 2019-nCoV. Our top priority is the health and well-being of our members.
As with any public health issue, IBA will work with and follow all guidance and protocols issued by the U.S. Centers for Disease Control and Prevention (CDC), Centers for Medicare & Medicaid Services (CMS), Food and Drug Administration (FDA), and state and local public health departments.
When will the test be covered at no cost share?
We will cover the test when indicated at no cost share. Claims processing systems will be able to accept COVID-19 testing claims starting immediately.
KEY RESOURCES – COVID-19
• CDC COVID-19 Site ‒ what you should know, situation updates, community impacts and
resources
• CDC Travel recommendations
• COVID-19 FAQ
• IRS Notice on High-Deductible Plans with HSA
