Since the public health emergency began, the US government has taken the position that insurers shouldn’t be allowed to make consumers pay for COVID-19 lab tests. But now comes news that insurers will not be put in that same position with regard to return to work screening conducted on employees by their employers.
FFCRA rules for COVID-19 test payment
The key piece of federal relief legislation, the Families First Coronavirus Response Act (FFCRA), required insurers to cover COVID-19 tests without imposing any copayments, deductibles, coinsurance or other patient cost-sharing. But the rule (Section 6001 of FFCRA) rule applied only to tests deemed “medically appropriate” by a healthcare provider. The key question: Would insurers also have to foot the bill for screening tests not used for diagnosis and treatment?
Apparently, the answer is no. On June 23, the Department of Labor, HHS and Treasury issued joint guidance (FAQ 5) clarifying that Section 6001 doesn’t apply to “testing conducted to screen for general workplace health and safety (such as employee “return to work” programs, for public surveillance or any other purpose not primarily intended for individualized diagnosis or treatment of COVID-19.”
So, if insurers aren’t on the hook, the consumers, i.e., employers will have to pay for return to work screening.
