Federal law required that many health services related to COVID-19, including testing, had to be covered at no cost for the duration of the COVID-19 Public Health Emergency (PHE). Now that the PHE has ended, there may be changes to health insurance coverage for COVID-related testing. For more information about how coverage for COVID-19 testing has been affected by the ending of the PHE, see below:
Insurance Coverage for At-Home and Laboratory COVID Tests:
Private Insurers: The federal mandate requiring health insurers to provide no-cost coverage for COVID-19 testing, including at-home tests, has ended. Most people with health insurance will continue to have coverage for laboratory COVID-19 tests, subject to the plan's cost sharing. At-home testing for COVID-19 is an eligible medical expense for flexible spending arrangements (FSAs) and health savings accounts (HSAs). Michiganders should check with their plan for more details. See below for a list of private insurers in Michigan.
Medicare: Medicare is no longer required to provide coverage for at-home COVID-19 testing. Medicare Part B participants can still obtain laboratory COVID-19 testing, with authorization by a medical provider, without out-of-pocket cost. Medicare Advantage participants may have additional flexibility regarding COVID-19 testing. Michiganders should check with their plan for more details.
Medicaid: Under federal law, Medicaid and MIChild participants can obtain at-home and laboratory COVID-19 tests through September 30, 2024.
Consumers who have questions or concerns that cannot be directly resolved with their insurer can contact DIFS Monday through Friday 8 a.m. to 5 p.m. at 877-999-6442 or file a complaint online at Michigan.gov/DIFScomplaints.
Phone Number:
Members should call the number on the back of their ID card.
Phone Number:
833-993-2426 (Relay 711)
Phone Number:
Members should call the number on the back of their ID card.
Phone Number:
800-997-1654 (main)
Phone Number:
800-422-4641 (main)
Phone Number:
800-448-6262 (main)
Phone Number:
888-327-0671 (TTY 711)
Phone Number:
888-560-4087
Phone Number:
855-672-2788
Phone Number:
419-887-2525 (main)
Toll free: 800-462-3589
Phone Number:
For Commercial/HMO inquiries, please call 517-364-8500 or (toll-free) 800-832-9186.
For Sparrow Health System inquiries, please call 517-364-8432 or (toll-free) 877-275-0076.
For PPO/Insurance Company inquiries, please call 517-364-8456 or (toll-free) 800-203-9519.
For Marketplace inquiries, please call 517-364-8567 or (toll-free) 866-539-3342.
Phone Number:
800-942-0954 (main)
Phone Number:
Members should call the number on the back of their ID card.
Phone Number: 586-693-4400 (main)
Consumers who have questions or concerns that cannot be directly resolved with their insurer can contact DIFS Monday through Friday 8 a.m. to 5 p.m. at 877-999-6442 or file a complaint online at Michigan.gov/DIFScomplaints.
