Patients with covid, check how the hospitals submitted your bills. If they didn’t use the code, that says you have covid, you will be charged incorrectly. With many insurance companies, if you have covid, you will be charged $0, not even a copay for everything, copay, treatments, tests, ER visits doctors.
For my first ER visit, they submitted it as the “covid code” Z03818. For my last 2 ER visits, they submitted it as “shortness of breathe,” code R0602. Since they submitted it wrong, I was charged for the 2 ER visits.
I’m calling Northwestern billing to resubmit the code. I don’t suspect any problem though because I’m on their “covid monitoring” list and receive daily calls from nurses on the “covid monitoring team.”
My insurance representative also said that if they refuse to submit the correct code, ask for your complete medical records and submit a claim.
You can read more about how everything should be free for covid patients on Blue Cross Blue Shield: