What You Need to Know About COVID-19 and Medicare
Tips to protect yourself from coronavirus using Medicare resources
We will continue to provide updates to keep you informed on COVID-19 and Medicare. If you have questions about your Medicare coverage and the coronavirus, contact a licensed GoHealth insurance agent for guidance and additional resources.
Medicare covers all lab tests and antibody tests for COVID-19.
The vaccines have been tested by thousands of trial participants across different races, ethnicities and ages, with no serious safety concerns.
Be skeptical of COVID-19 fraud, and if you ever suspect fraud, make sure to report it.
Always use trusted sources when gathering any information regarding COVID-19.
Making sure long-term care facility residents can receive a COVID-19 vaccination as soon as vaccines are available will help save the lives of those who are most at risk of dying from COVID-19. According to Advisory Committee on Immunization Practices (ACIP) recommendations, long-term care facility residents include adults who reside in facilities that provide a range of services, including medical and personal care, to persons unable to live independently.
As we enter into the winter months, COVID-19 cases are increasing, it’s important to protect older adults and people with disabilities.
With the rising cases, the Centers for Medicare & Medicaid Services (CMS) are continually determining the best actions to ensure this population has access to the care that they need.
For most people age 65 and older, Medicare covers hospital visits and/or medically necessaryHealthcare services that are necessary for the diagnosis or treatment of an illness, injury, condition, disease or symptoms. resources. During this time, it’s crucial to avoid risks and prepare to take action when prevention measures become available to the public. Below are the most critical tips around what you need to know about COVID-19 and Medicare.
- Long-term care facility residents can receive COVID-19 vaccinations as soon as they are available.
- All COVID-19 vaccine tests include clinical trial participation by tens of thousands of people to ensure they meet safety standards and protect adults of different races, ethnicities, and ages, including adults over the age of 65. There were no serious safety concerns.
- The Centers for Disease Control and Prevention (CDC) will work with pharmacies and other partners to provide communication materials to educate patients about the vaccine, answer their questions about vaccine safety and other issues, and prepare them for vaccination clinics.
Before diving into the details of COVID-19 testing, it’s essential to recognize the symptoms associated with the virus. These can include fever or chills, cough, shortness of breath or difficulty breathing, fatigue, muscle/body aches, headache, loss of taste or smell, sore throat, congestion, nausea or vomiting, and diarrhea. It’s also possible to have COVID-19 but be asymptomatic, meaning you are not showing any symptoms.
You should consider a test if:
- You are experiencing any of the above symptoms.
- You are in close contact (within six feet for a total of fifteen minutes or more) with someone showing COVID-19 symptoms or with a positive diagnosis.
- You have been asked or referred to get tested by your healthcare provider, local or state health department.
Medicare covers lab tests for COVID-19 and FDA-authorized COVID-19 antibody tests. If you do get tested, you should self-quarantine/isolate at home pending test results and follow your healthcare provider’s advice.
To determine where you should get a test, visit your state or local health department’s website to look for the latest information on local testing that is currently available. If you have questions regarding whether or not you should receive a COVID-19 test and where you can receive a test in your area, please contact your doctor.
Receiving a COVID-19 vaccine may help protect you from contracting COVID-19. Vaccines are being carefully evaluated in clinical trials and will only be authorized if they are proven to make it significantly less likely that you will contract the virus. Experts believe that getting a COVID-19 vaccine may help keep you from getting seriously ill even if you contract the virus, which is good news for older adults and those who are immunocompromised.
Currently, companies are beginning to request FDA authorization for the distribution of their vaccines. A panel of experts advising the Centers for Disease Control and Prevention (CDC) recently voted to recommend that healthcare workers and residents of nursing homes and other long-term care facilities be the first Americans to receive a vaccine when it becomes available. As information is continually changing, the CDC will keep the public updated as new evidence is available.
Unfortunately, there are COVID-19-related scams that attempt to steal personal details. Scammers target older adults and those with severe long-term health conditions. They use telemarketing calls, text messages, social media messages, and door-to-door visits to obtain information and cause harm. These schemes can be offering anything from COVID-19 tests, money, and Medicare prescription cards and may even pretend to be a COVID-19 contract tracer to get access to your details. 
With the rise in these fraudulent messages, it’s critical to protect yourself. It’s important to know that you will never be asked for money to be more eligible to receive a vaccine and that Medicare will not call beneficiaries to offer COVID-19 related products, services, or benefit reviews. Always be skeptical of any unexpected calls or visitors providing anything about COVID-19 – and if you get a call like this, hang up. If you make an appointment for a COVID-19 test online, make sure that the location is a legitimate testing site.
If you ever suspect a COVID-19 fraudulent scheme, report it on the HHS.gov site or call 800-HHS-TIPS (800-447-8477).
If you become seriously ill due to COVID-19, you may need to rely on inpatient or outpatient services. Medicare Part A covers inpatient hospital stays, skilled nursing facility stays, some home health visits, and hospice care. Medicare Part B covers outpatient services (including physician visits, emergency ambulance transportation, and emergency room visits). Medicare beneficiaries (including those under traditional Medicare and Medicare Advantage plans) are covered if they require inpatient hospitalization for COVID-19 treatment. Beneficiaries get coverage for skilled nursing facility stays, but not for long-term services and support, such as more extended stays in a nursing home. For any questions regarding your coverage, please contact one of our licensed agents at 1-855-792-0088 TTY: 771.
Telehealth use has rapidly increased since the beginning of the pandemic. Your doctor may suggest connecting with them via a telehealth appointment, rather than having you visit the office in-person and risk exposure. Telehealth has served as a great tool to expand access to care because it reduces potential disease exposure to staff and patients, preserves personal protective equipment supplies, and reduces demand for facilities.
In response to the pandemic, Medicare has temporarily expanded its coverage of telehealth services. For specifics on how to access your provider’s telehealth platform, please contact your doctor’s office.
Information regarding COVID-19 is evolving, and it’s essential to stay up to date by using trusted resources to receive information. Sources such as the CDC, your state’s department of health, the World Health Organization (WHO), and the National Institutes of Health (NIH) are a few reliable sources that can be trusted. In addition to these resources, you can always contact your healthcare provider for updates and guidance.
For Medicare-related questions regarding COVID-19, please don’t hesitate to reach out to one of the licensed GoHealth insurance agents for personal guidance at 1-855-792-0088 TTY: 771.
Does Medicare cover testing for COVID-19?
Yes, testing for COVID-19 is covered under Medicare Part B. 
Does Medicare cover COVID-19 treatments?
Patients who get seriously ill from the virus may need a variety of inpatient and outpatient services. Medicare Part A covers:
- inpatient hospital stays
- skilled nursing facility (SNF) stays
- some home health visits
- hospice care
If inpatient hospitalization is required for treatment of COVID-19, this treatment will be covered for Medicare beneficiaries, including beneficiaries in Original Medicare and those in Medicare Advantage plans.
Will Medicare cover the cost of a COVID-19 vaccine(s)?
Based on a provision in the CARES Act, a vaccine approved for COVID-19 will be covered by Medicare under Part B with no cost-sharing for Medicare beneficiaries for the vaccine; this applies to beneficiaries in both Original Medicare and Medicare Advantage plans.