Will I have to pay out-of-pocket for a COVID-19 test?

FAQ Answer

If you have a health benefit plan regulated by the State of North Dakota, you should not have to pay for the test. A health benefit plan is generally defined as an individual (including family), small group, large group, or short-term limited duration plan. The Department recommends that you contact your health benefit plan at the number listed on your identification card to see if your specific plan is regulated by North Dakota and is not self-funded.  

Pursuant to Bulletin 2020-1 issued by Insurance Commissioner Jon Godfread, health carriers have been asked to waive any cost-sharing, including co-pays, deductibles, and coinsurance for Centers for Disease Control and Prevention (CDC) recommended laboratory testing of COVID-19.  In addition, health carriers have also been asked to waive cost-sharing for an in-network provider office visit, urgent care center visit, or an emergency room visit when testing for COVID-19. This includes short-term limited duration policies but does not include health sharing ministries as those plans are generally not subject to any regulation.

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