Healthcare & insurance coverage

How to get your covid bills 100% covered:

In Illinois, if you have BCBS health insurance, you will pay $0

If you are having an issue with your insurance not covering your covid bills 100% or your hospital submitting “shortness of breath,” instead of a “covid” billing code, contact your insurance’s patient advocate. She said it’s a common problem, and helped me so much! She said she’s going to help me with fixing my ER bills so I owe $0

‪https://www.bcbsil.com/COVID-19?WT.mc_id=ILEMAEMA1260120‬

If you have Blue Cross Blue Shield Health insurance and you are in Illinois, you will pay $0 for ER visits, treatment, tests, copays related to covid.

It also depends on what the ER code is at time of billing. You may have to call your hospital to request they change their billing code to reflect covid.

Here’s the info below:

[We’ve taken steps to lower costs and provide easier access to care for members related to COVID-19. Currently, if you’re a Blue Cross and Blue Shield of Illinois (BCBSIL) member:

Testing: You won’t pay copays, deductibles or coinsurance for medically necessary lab tests to diagnose COVID-19. Your doctor doesn’t have to ask us for the OK to test for COVID-19.

Testing-Related Visits: You won’t pay copays, deductibles or coinsurance with in-network providers for visits related to COVID-19, whether at a provider’s office, urgent care clinic, emergency room or by telehealth. (Testing must be medically necessary, consistent with CDC guidance and at the direction of a doctor.) 

Treatment: If you are insured by BCBSIL, you won’t pay copays, deductibles or coinsurance related to treatment for COVID-19. This applies to costs associated with COVID-19 treatment at in-network facilities and treatment for out-of-network emergencies.

This includes these BCBSIL plans: 

Fully insured employer-based
Individual and Family  
Medicare (excluding Part D) 
Medicare Supplement 
Medicaid 

This policy covers treatment from April 1 to May 31, 2020. We will reassess this policy as events warrant. (We will work in partnership with self-funded employer groups that decide to offer the same waivers.)]