What Does Medicare Cover for Covid-19?

With the COVID-19 pandemic in full force, many may have questions about what COVID-19 related medical services are covered by their health insurance. Seniors, who are more vulnerable to serious complications from the virus because of higher rates of chronic illness, may especially be wondering what Medicare covers for COVID-19? At the basic level, Medicare covers all medically necessary hospitalizations, including those for COVID-19 infections but there is much more to discover.

What does Medicare cover for COVID-19 related health needs?

  • Medicare covers any lab tests for COVID-19 without any out-of-pocket costs.

  • Medicare covers any FDA-authorized COVID-19 antibody (or “serology”) tests if the Medicare recipient is diagnosed with a known current or known prior COVID-19 infection or a physician suspects a current or past COVID-19 infection.

  • Medicare covers all medically necessary hospitalizations, including hospitalizations for COVID-19 treatment or quarantine. Patients are required to pay for any hospital deductibles, copays, or coinsurances that apply.

  • If and when a vaccine for COVID-19 becomes available, it will be covered for Medicare recipients.

  • Note that kupuna who have chosen a Medicare Advantage Plan are able to access all of these same benefits and possibly more. For example, many Medicare Advantage Plans offer services such as medical transport and extra telehealth benefits.

  • Medicare is allowing Medicare Advantage Plans to waive cost-sharing for COVID-19 lab tests.

Telehealth services for COVID-19