Still have questions? We have answers. Explore our Frequently Asked Questions to learn more about how we're addressing the COVID-19 pandemic.
What are the different types of COVID-19 tests?
There are two kinds of tests:
- A diagnostic test, which determines if a person has an active COVID-19 infection. A diagnostic test includes at-home tests.
- An antibody test, which determines if a person already had a COVID-19 infection. So, the person may have some level of immunity.
What happens during a COVID-19 diagnostic test?
The test involves inserting a swab through the back of the nasal passage to detect genetic material specific for the virus.
A positive result confirms the presence of the virus that causes a COVID-19 infection. A negative result means that the virus wasn't detected at the level needed to confirm infection. It does not rule out infection.
Can you tell me more about at-home, COVID-19 diagnostic tests?
All individuals with BCBSM and BCN commercial health coverage are eligible to receive reimbursement for up eight (8) at-home COVID-19 rapid antigen or molecular tests over a 30-day period. These are the types of tests that you can get over the counter at a pharmacy, retail store or even through online purchases.
The FDA lists all authorized tests on their website:
- Authorized antigen tests
- Authorized molecular tests
To get to the tests that qualify for reimbursement, you’ll need to type “OTC” in the search box. That will bring up a list of tests and all of those are part of the at-home rapid diagnostic COVID-19 reimbursement program (except for one test in the antigen page which is listed as “Telehealth, Proctor Supervised.”).
Will Blue Cross cover a test for me if I don't have symptoms?
Yes, Blue Cross will cover a test under the following conditions:
- If a qualified health professional* determines a test is appropriate and it's FDA-approved or authorized.
- Or, all individuals with BCBSM and BCN commercial health coverage are eligible to receive reimbursement for up eight (8) at-home COVID-19 rapid antigen or molecular tests over a 30-day period
Blue Cross does not cover the cost of workplace or screening tests – also called routine testing (such as routine public health testing, testing for participation in sports, ability to travel, admission to the armed services, schools, workplaces or residential facilities).
Will you cover multiple tests for the same person?
Yes, if a qualified health professional* determines a test is appropriate and it's FDA-approved or authorized or as part of the at-home COVID-19 rapid antigen or molecular test reimbursement program for BCBSM and BCN commercial health members.
Do you cover tests from drive-through sites? And is cost sharing waived for those, too?
Yes, if a qualified health professional* determines a test is appropriate and it's FDA-approved or authorized.
Will I be charged for a COVID-19 test offered at certain locations?
Several counties and municipalities are offering COVID-19 tests for community residents. They're covering the cost of tests, so your health plan shouldn't be billed.
We recommend you check with these sites before going for a test, as each site may have different requirements regarding appointments, physician orders, symptoms and residence.
What if I go to a testing facility but I don't get a test? Will I get a bill?
It depends on the services received and diagnosis recorded on the claim if you'll get a bill for your visit.
I'm a BCN member. Can only my primary care physician order a COVID-19 test?
Not necessarily, but you do need an order from a health care provider*.
Do you cover workplace screening tests for COVID-19?
No, Blue Cross doesn't cover the cost of workplace or occupational screening tests for COVID-19.
However, we do cover the cost of testing if a health care provider* orders an FDA-approved test and determines that the test is medically necessary** or as part of the at-home COVID-19 rapid antigen or molecular test reimbursement program for BCBSM and BCN commercial health members.
Do you cover other screening tests for COVID-19?
No, Blue Cross doesn't cover the cost of other screening tests for COVID-19, such as testing to participate in sports or admission to the armed services, educational institution, workplace or residential facility. However, we do cover the cost of testing if a health care provider* orders an FDA-approved test and determines that the test is medically necessary** or as part of the at-home COVID-19 rapid antigen or molecular test reimbursement program for BCBSM and BCN commercial health members.
*A health care provider should be a licensed physician, pharmacist or clinician operating within the scope of their license. They should use their best judgment in accordance with accepted standards of medical practice. This is in keeping with the Families First Act and CARES Act of 2020.
**Test orders must show medical necessity and the ordering provider should have resources to act on test results. This is in keeping with the Families First Act and CARES Act of 2020.
What can you tell me about the COVID-19 vaccines?
The FDA has given full approval for the Comirnaty vaccine, which was previously known as the Pfizer-BioNTech COVID-19 vaccine. The organization has also issued emergency use authorization for the Moderna and Johnson & Johnson vaccines. The Comirnaty and Moderna vaccines are distributed in two doses, administered a few weeks apart. The Johnson & Johnson vaccine is delivered in one dose. It’s important to note that the CDC considers all three vaccines safe and effective in the fight against COVID-19.
Do I need both doses of the Moderna or Pfizer COVID-19 vaccine?
Yes. This will give you the best protection against COVID-19. The CDC and Michigan Department of Health and Human Services both agree it's important to get the second dose.
The second dose must be from the same vaccine manufacturer as your first dose. If you can, it would be best to follow up with the same provider who gave you your first shot.
How can I get a COVID-19 vaccine?
You can get one at your county health department, hospital or pharmacy. Other civic locations are distributing vaccines, too.
At a county health department. Visit the State of Michigan website. Then, find your county health department and make an appointment. Please note: The government has said that demand exceeds the current supply. So, you may not be able to make an appointment with the health department right away. If that's the case, keep checking back as more vaccines become available.
At a local hospital. Many hospital systems are providing the vaccine by appointment for their patients. Each is notifying patients in its own way. Follow their instructions to make an appointment with them.
At a nearby pharmacy. Some pharmacies have also started the appointment process, or intend to soon. Check with your local pharmacy about their vaccine plans.
No matter where you decide to go, check to see what identification you'll need to bring. For example, some sites may want you to bring your government-issued, Medicare ID card and your Blue Cross ID card. If you're not sure, it may be best to bring both.
How much will a COVID-19 vaccine cost me?
You won't have to pay anything to get the vaccine. We're covering the cost to administer it, so our members have an opportunity to get vaccinated.
Are the COVID-19 vaccines safe?
The FDA says that it puts every vaccine or drug through rigorous testing. It only releases those that it deems safe. Ask your physician about the benefits of the vaccine. You can also learn more by visiting the CDC or State of Michigan website.
How long does it take for a COVID-19 vaccine to work?
About two weeks after the second dose of a two-dose vaccine, or two weeks after a one-dose vaccine. You can learn more by checking out the CDC's vaccine information.
Will I need a different COVID-19 vaccine for the Delta variant or other variants?
Not if you're fully vaccinated, according to the CDC and FDA.
Will the COVID-19 vaccine stop you from spreading the virus?
According to the CDC, early data shows that vaccines are preventing people with no symptoms from spreading COVID-19. However, the organization is still gathering information.
When can I get the vaccine if I have COVID-19?
You should wait until you’re recovered from COVID-19 and done with your quarantine period. If you have further questions about this, please check with your doctor.
Who should get a COVID-19 vaccine booster?
Any individual 12 years of age and older may receive a COVID-19 booster dose following the below guidance based on your initial vaccine series:
- Pfizer-BioNTech: Booster dose at least 5 months after initial series for individuals 12 and older
- Moderna: Booster dose at least 6 months after initial series for individuals 18 and older
- Johnson & Johnson: Booster dose at least 2 months after their initial first dose for individuals 18 and older
Can I "mix and match" what booster I get?
The CDC and FDA have also allowed for the "mix and match" strategy use of boosters – in other words, people can receive booster shots different from the original shot they received. However, it's important to note that products should NOT be mixed during the initial series or when immunocompromised individuals are receiving an additional dose. People should check with their physicians when considering the mix and match strategy for vaccines.
Can doctors prescribe medications during a telehealth visit?
Yes, doctors who offer telehealth services can prescribe medications. If you get your care through Blue Cross Online Visits, the doctor will submit your prescription to your pharmacy of choice.
Is physical, occupational and speech therapy included in telehealth visits?
Yes, but costs apply per your plan's benefits. You should work with your doctor to develop a plan for online therapy.
How can I pay my premium bill if there are no more walk-in centers?
That depends on your plan type.
If you have an individual plan, you can pay online, by phone or make payments at any Moneygram location in the state. You can also mail your payment to us. See individual plan mailing addresses.
Please note: If you have a Medicare Advantage PPO plan or a Prescription BlueSM PDP plan, you'll need to pay by mail. See Medicare mailing addresses.
You can pay:
- Online. Subscribers can log in, look for "Pay your premium" and select "Pay now."
- By phone. You can call the number on the back of your Blue Cross ID card.
- By mail. Simply follow the instructions on your bill to send us your payment.
What if I can't pay my premium bill?
You can always call the number on the back of your ID card if you have questions or concerns.
I've lost my job because of the coronavirus. What happens to my coverage?
If you had coverage through your employer, you can check with them about COBRA.
We also may be able to help you continue your coverage or move into a new plan. We can check to see if you qualify for federal subsidies, too.
- To learn more:
- Blue Cross Medicare Advantage members, call 1-888-803-4960.
- BCN Medicare Advantage members, call 1-800-431-1059.
- All other members, call 1-877-610-2583.
Are there any medications currently being used for COVID-19 treatment?
On May 1, 2020, remdesivir became the first fully FDA-approved treatment for COVID-19 for hospitalized patients. The drug already was being used under an emergency order for hospitalized patients with severe COVID-19.
On February 9, 2021, the FDA granted emergency authorization use status to a monoclonal antibody treatment. It's a combination of experimental drugs, bamlanivimab and etesevimab, administered together to treat mild to moderate COVID-19 infections. It's approved for people at risk of progressing to severe cases, but it's not approved for patients who are already hospitalized or receiving oxygen therapy.
Blue Cross Blue Shield of Michigan will continue to monitor medications for COVID-19 and keep you up-to-date.
Are there any steps being put in place for specialty pharmacy?
If you're interested in receiving your specialty medication through free mail delivery, you can transfer your prescription to AllianceRx Walgreen Pharmacy. For more information, call them at 1-855-244-2555.
Where can I find additional resources if I'm feeling anxious about the COVID-19 pandemic?
You can see resources including support options on our mental health site, or check out our blog.
Do I need a prior authorization for COVID-19 lab testing or services?
No. We're waiving prior authorizations for testing, and services related to testing. You also won't need one for a hospital stay that's due to COVID-19.
What is the Families First Coronavirus Response Act?
The Families First Coronavirus Response Act is a new law. It mandates that we cover and waive cost-sharing for test-related items and services during provider, urgent care and ER visits when they result in an order, or administration of, a COVID-19 lab test. As we continue to assess the requirements, more information may be coming.
What is the CARES Act and how does it impact me?
The Coronavirus Aid, Relief, and Economic Security, or CARES Act, is a $2 trillion federal coronavirus response package that was recently signed into law.
- The CARES Act states:
- High deductible health plans must cover telehealth services before the deductible.
- Individual and group health plans must cover COVID-19 testing and vaccines.
- Patients can use funds in Health Savings Accounts, Health Flexible Spending Accounts and Health Reimbursement Arrangements to pay for over-the-counter drugs without a prescription and for menstrual care products.
I'm a UAW member who's not yet on Medicare. What communications have you sent me about COVID-19?
Based on your communications preferences, you may have received emails or text messages. To see the communications that we sent you, download our zip file.
You can update your communication preferences anytime by logging in to your member account, choosing Account Settings, then Communication Preferences.
