The average cost to treat a hospitalized patient with coronavirus is $30,000, according to a study.
"You might have, say, an Aetna or United Healthcare insurance card, but they are just the administrator of the plan and not the one making the rules," Schwartz said.
If your employer plan isn't among those that's waiving treatment costs, typical co-pays and deductibles would apply. The average deductible among employer plans is $1,655. For non-group policies purchased through an exchange, the deductible typically is higher:About 157 million people had employer-based plans as of 2018, according to Kaiser data. Another 20 million had individual policies.
Roughly a third of Medicare recipients have an Advantage Plan. Many of the plans — which deliver Parts A and B, and typically prescription drug coverage — have their own cost-sharing structures. Some insurers who offer those plans have said they will waive treatment costs.
However, for those with basic Medicare and no additional coverage — whether through Medicaid, an employer plan or elsewhere — the cost-sharing hasn't changed.Those recipients would face a $1,408 Part A deductible when they're admitted to the hospital, although that covers the first 60 days of hospitalization.
For patients on Medicaid — roughly 65 million people whose incomes are low enough to qualify for that program — the cost-sharing for medical care is typically minimal, although it varies from state to state.
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