COVID-19 Testing and Treatment

2023 Plan Information

Medical Plan covers viral and antibody testing at 100%

The Firm’s US Medical Plan covers COVID-19 diagnostic and antibody testing as well as the visit at 100%. It is recommended that you discuss with your doctor if testing is right for you. Additionally, a doctor’s order may be required and the test must be FDA-approved. Important: Antibody testing does not confirm COVID-19 immunity and cannot be relied on for diagnostic or other clinical purposes.

If an in-network doctor or facility performs the test, the provider submits the claim and no action or payment is required of you. If you use an out-of-network provider or facility, you must pay for the test and then submit the claim for reimbursement. If you have questions, contact your health plan administrator (Cigna, UnitedHealthcare, Kaiser or HMSA).

Note: If you have mild symptoms, it is recommended that you stay home and monitor your symptoms closely. Seek testing only if you experience serious symptoms (an unremitting fever and/or acute difficulty breathing) or require hospitalization. Doing so is safer for you and health care workers. If you are sick and require in-person care, call your provider before visiting.

Tip: For a list of COVID-19 testing locations in the US, visit the Department of Health and Human Services site. Also, the CDC maintains an online symptom checker.


Employees and their dependents enrolled in the Firm’s Medical Plan

Member cost share for certain COVID-19 testing  is currently being waived in response to the ongoing COVID-19 pandemic. Treatment for COVID-19 is subject to deductible and coinsurance. The Firm reserves the right to change this coverage, including reinstating deductible and coinsurance payments, at any time, as the pandemic evolves.