While COVID-19 is no longer the public health emergency it once was, many Colorado residents still have questions about testing, treatment, telehealth services, and prescription drug coverage.
The rules surrounding COVID-related healthcare have changed over the years, making it difficult to know what’s covered and what costs you may be responsible for. Understanding your health insurance benefits can help you make informed decisions and avoid unexpected medical bills when you need care.
Does Colorado Health Insurance Cover COVID-19 Care?
In most cases, yes.
Colorado health insurance plans generally provide coverage for medically necessary COVID-19 treatment, just as they would for other illnesses.
Covered services may include:
- Doctor visits
- Urgent care visits
- Hospitalization
- Emergency room services
- Diagnostic testing
- Laboratory services
- Prescription medications
- Telehealth appointments
However, coverage details and out-of-pocket costs vary depending on your health plan.
Are COVID-19 Tests Covered?
Coverage for COVID-19 testing varies by carrier and plan.
Some health plans may cover testing when it is ordered by a healthcare provider and considered medically necessary. Coverage for over-the-counter test kits can differ and may change over time.
Because policies vary, it’s important to review your plan’s current benefits or speak with your insurance carrier before purchasing testing supplies.
What About COVID-19 Treatment?
Health insurance plans generally cover medically necessary treatment for COVID-19, which may include:
- Office visitsUrgent care services
- Hospital stays
- Specialist consultations
- Imaging and laboratory services
- Certain prescription medications
Your out-of-pocket expenses will depend on factors such as:
- Deductible status
- Copays
- Coinsurance
- Provider network participation
Using in-network providers typically results in lower costs.
Is Telehealth Covered?
Many Colorado health insurance plans continue to provide telehealth benefits.
Telehealth can be a convenient way to:
- Discuss symptoms with a healthcare provider
- Receive treatment recommendations
- Obtain prescriptions when appropriate
- Avoid unnecessary travel when feeling ill
Coverage and cost-sharing requirements vary by plan, so it’s helpful to review your specific benefits.
Questions to Ask Before You Need Care
Understanding your coverage before you become sick can save time and reduce stress.
Consider asking:
- What is my urgent care copay?
- Is telehealth covered?
- Which hospitals are in-network?
- How are prescription medications covered?
- What costs apply before I meet my deductible?
- Where can I view my current plan benefits?
Knowing the answers ahead of time can make healthcare decisions easier when you need care.
Understanding More Than Just COVID Coverage
When comparing health insurance plans, it’s important to look at the overall quality of coverage rather than focusing on one specific condition.
Provider networks, prescription drug coverage, deductibles, out-of-pocket maximums, and access to care can all have a significant impact on your healthcare experience and costs.
At Ian Young Health Insurance, we help Colorado individuals, families, self-employed professionals, and small business owners understand their options so they can make confident decisions about their coverage.
Save Time. Gain Peace of Mind.
Still unsure how to best protect yourself from COVID-19, or whether your preferred doctors, specialists, or treatments are covered? Schedule a free consultation and we’ll help you compare your Colorado health insurance options with confidence.
Additional Resources
- Watch our FAQ Video about COVID-19 Coverage in Colorado.
- Explore our Colorado Health Insurance Learning Center for answers to common coverage questions.