​COVID-19 (Coronavirus): Member coverage for treatment

March 31, 2021

This article was revised on March 31, 2021, to update the coverage effective dates and move the testing information to a separate article. To learn about testing for COVID-19, please read this article.To learn about billing and coding for COVID-19 testing, please read this article.

Member coverage for COVID-19 treatment 

Depending on the member’s plan, the effective dates for coverage of COVID-19 treatment is as follows:

  • Commercial members: March 6, 2020, through June 30, 2021;
  • Medicare Supplement and Keystone CHIP members: March 6, 2020, through the duration of the public health emergency;
  • Medicare Advantage members: through December 31, 2021.

Subject to the effective dates noted above, Independence will cover the treatment of COVID-19 as follows:

    • Independence will waive cost-sharing for in-network, inpatient, acute care treatment of members diagnosed with COVID-19, whether for medical or behavioral health. For Medicare Advantage members, this includes out-of-network inpatient acute care treatment as well. However, behavioral health inpatient coverage related to a COVID-19 diagnoses is only waived through the duration of the public health emergency.

    • Independence will waive cost-sharing for emergency department visits associated with admissions for in-network, in-patient, acute care treatment of COVID-19 whether for medical or behavioral health. For Medicare Advantage members, cost-sharing for emergency department visits will be waived through the end of the public health emergency.

For services not related to COVID-19, we will continue to apply the appropriate member cost-sharing.

This includes members enrolled in our fully insured commercial, Keystone CHIP, and Medicare Advantage plans, and the individual and family plans available through the Affordable Care Act.

​Note: Self-funded customers can opt out of waiving cost-sharing for the treatment of COVID-19.

Independence will reimburse in-network health care providers for the treatment of COVID-19 as outlined above at their contracted rates including the member cost-share amount.

Approved drugs to treat patients

Independence will cover the use of approved drugs for the treatment of Commercial and Medicare Advantage patients who have been diagnosed with COVID-19. Read the full article to learn more.

Independence is committed to providing our members with access to the care they need during the COVID-19 pandemic. We encourage all Independence members and providers to visit our dedicated COVID-19 webpage regularly for the latest news and updates. We will continue to evaluate member needs as the situation changes.

Learn more

Read more about coverage of services related to COVID-19 in the News Articles posted on our Medical and Claim Payment Policy Portal: