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Medicare Supplement (Medigap) Covid-19 FAQS

Get answers to common questions about COVID-19 coverage.

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How is COVID-19 diagnostic testing covered?

The following lab testing coverage is effective from Feb. 4, 2020 to April 30, 2023:

Medica Medicare Supplement (Signature Solution) will cover the cost of medically necessary PCR COVID-19 diagnostic testing (COVID-19 infection). Medica covers rapid diagnostic tests and standard nasal and saliva diagnostic tests. This applies to testing that meets Centers for Disease Control and the Food and Drug Administration (FDA) guidelines, and is ordered by an appropriate medical professional.*

Provider services for that testing will also be covered at no cost to members if they see a provider who is Medicare eligible. That means the member's share of the cost will be waived for office visits, urgent care, walk-in retail health clinics, emergency room, and outpatient facilities when the member is being tested for COVID-19.


What is the difference between PCR and antigen COVID-19 diagnostic tests?
A PCR (or Polymerase Chain Reaction) test is used to detect genetic material from a specific organism, such as a virus. PCR tests detect viral RNA. PCR tests are sent to a lab for the assessment of the test. Results generally take a couple of days.
Antigen tests, also called rapid diagnostic tests, detect specific proteins on the surface of the coronavirus. Antigen tests can be purchased through a retailer and done at home. Results may come back in as little as 15 to 45 minutes.

*Not covered as part of a return to work requirement, public surveillance program or travel requirement. 
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Is inpatient treatment for COVID-19 covered?

Inpatient Treatment Coverage (effective February 4, 2020 to September 30, 2021) 

Medica Medicare Supplement (Signature Solution) will cover the cost of COVID-19 treatment at no cost to members in a hospital setting, as long as the provider/hospital is Medicare eligible.

Medica Medicare Supplement (Select Solution) will cover the cost of COVID-19 treatment at no cost to members in a hospital that participates with their Medica-contracted network.

Will prior authorization requirements for care requests be waived?
Yes. Prior authorization isn’t required for admissions to long-term care facilities, acute inpatient rehabilitation, and skilled nursing and home health care facilities. Effective through April 30, 2023.

Is monoclonal antibody treatment covered? 
COVID-19 monoclonal antibody treatment is covered with no member cost through April 30, 2023. Treatment must be medically necessary and ordered by an in-network medical professional. Coverage includes medications under emergency use authorization by the FDA including Eli Lilly (Bamianivimab and Bamlanivimab & Estesevimab) and Regeneron (Casirivimab and Imdevimab). Recommendations for these products are frequently changing. Speak with your provider about current treatment recommendations. 

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What can you tell me about the vaccine for COVID-19?
Get answers to frequently asked questions about COVID-19 vaccine coverage and availability in this PDF.

COVID-19 Vaccine Update (PDF) (updated 8/29/22)


Last Updated: January 2023