Early in the coronavirus pandemic Congress formed an emergency system to ensure free testing for the virus and to help uninsured Americans avoid big hospital bills for Covid-19 treatment. Most large insurance companies waived cost-sharing agreements for Covid-19 patients at the same time. But as many bills arrive, not all patients are benefiting from the system. The Wall Street Journal identified four key groups that, based on their coverage status, experience the financial ramifications of infection in different ways.
1. The uninsured can get some costs covered.
People who aren’t insured can apply for financial assistance to cover their Covid-19 related hospital bills under the Cares Act, but the paperwork can be a difficult task for many patients who are still suffering from the illness’s long-term effects. Follow-up care outside of the hospital may not be covered by the assistance program.