Coronavirus Testing in the Outpatient Setting
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Defines Capital Bluecross coverage and reimbursement rules for coronavirus (including SARS-CoV-2, SARS, MERS) testing performed for medical decision-making in the outpatient setting; excludes work/school/state/federally mandated testing and addresses which tests meet or do not meet coverage criteria.
No material clinical or coverage changes in this revision.
Coverage Criteria for Outpatient Coronavirus Testing
Outpatient coronavirus testing coverage criteria
Covered when ALL of the following apply: testing is for medical decision‑making in the outpatient setting and the specific clinical scenarios listed below.
Covered nucleic acid testing (MEETS coverage)
- Targeted NAAT (e.g., RT-PCR, rapid molecular tests) for individuals displaying signs or symptoms of possible COVID‑19.
- Targeted NAAT for asymptomatic individuals with known exposure to COVID‑19.
- Targeted NAAT for individuals with signs/symptoms of SARS and travel to endemic areas or exposure to persons with SARS.
- Targeted NAAT for individuals with signs/symptoms of MERS and travel to endemic areas or exposure to persons with MERS.
Covered for specific syndromic or post‑infectious indications
- Nucleic acid amplification testing and host antibody serology testing to support diagnosis of MIS‑C, MIS‑A, or post‑acute sequelae of SARS‑CoV‑2 infection (PASC).
- Antigen‑detecting diagnostic tests for symptomatic individuals when performed once every 48 hours.
Testing interpretation and operational criteria
Testing usage and interpretation guidance — apply these operational considerations when ordering and interpreting tests:
Coverage and interpretation guidance
Performance‑based guidance derived from test characteristics and study findings:
Coverage-related clinical criteria
Clinical use limitations and recommended follow‑up when using multiplex panels and related assays:
Testing guidance and criteria (clinical and public health)
Clinical and public‑health testing recommendations reflected in guidance and evidence:
IDSA NAAT testing recommendations
IDSA recommendations and near‑term operational considerations relevant to coverage decisions:
Evidence and guidance sources
Primary evidence and guidance sources that inform the coverage criteria:
Coding and Reimbursement Rules
| HCPCS/CPT | Only one code per date of service will be reimbursed; do not bill both HCPCS and AMA code for same procedure same DOS. |
| Specimen collection codes | Specimen collection codes for coronavirus testing are incidental and will not be reimbursed. |
| Examples of analytical limits of detection for RT-PCR assays (e.g., CDC diagnostic panel LoD 1.0 - 3.2 copies/µL; WHO E gene 3.9 copies/reaction, RdRp 3.6 copies/reaction; study example LoD 689.3 copies/mL / 275.72 copies per reaction at 95% detection probability). |
| Panel targets include: Adenovirus; HCoV 229E; HCoV HKU1; HCoV NL63; HCoV OC43; SARS-CoV-2; Human metapneumovirus; Human rhinovirus/enterovirus; Influenza A (H1, H3, H1-2009); Influenza B; Parainfluenza viruses 1-4; Respiratory syncytial virus A/B; Bordetella parapertussis; Bordetella pertussis; Chlamydia pneumoniae; Mycoplasma pneumoniae. |
| IS481 | Multi-copy insertion sequence (IS481) targeted by more sensitive Bordetella pertussis tests; BioFire RP2.1 targets single-copy ptxP and thus has lower sensitivity for B. pertussis. |
| EUAs have been issued for pooled-sample approaches (examples: UCSD RC SARS-CoV-2 Assay - 5-sample RT-PCR pool; Poplar SARS-CoV-2 TMA Pooling assay - 7-sample; LabCorp COVID-19 RT-PCR Test - 5-sample). Studies demonstrated detection in pools up to 32 samples (with increased false-negative risk). |
| Rapid NAAT | NAATs with analytic turnaround typically ≤30–60 minutes (includes rapid RT-PCR and rapid isothermal NAAT) suitable for near-patient/POC use. |
| Standard NAAT | Laboratory-based NAATs requiring instrumentation and trained laboratory staff; longer turnaround times. |
| No codes listed |
Provider Actions, Operational Notes, and Documentation
Applicability and exclusion
This policy applies only to testing performed for medical decision-making in the outpatient setting and does not apply to testing conducted for work, school, state, or federally mandated purposes.
Use and limitations of RT‑PCR
RT‑PCR (NAAT) is the primary method to diagnose acute SARS‑CoV‑2 infection when performed with appropriate primers and specimen types; however, RT‑PCR results can fluctuate over time and a negative RT‑PCR does not exclude infection and must be interpreted with clinical observations, patient history, and epidemiologic information.
- RT‑PCR detects viral RNA and is not suitable for identifying past infection.
- Reports of initial negative RT‑PCR followed by later symptomatic disease may reflect improper collection or testing early in the incubation period.
Use and limitations of serology
Host antibody (serologic) testing should not be used to diagnose or exclude acute SARS‑CoV‑2 infection; interpretation is limited by timing of seroconversion and it is currently unknown whether positive antibody results indicate protective immunity or its duration.
- Antibody tests may indicate prior exposure but are not diagnostic of acute infection.
- Positive IgG may reflect prior infection or cross‑reactivity; clinical significance for immunity remains uncertain.
Confirmatory testing and POC procedure requirements
Negative antigen (Ag) test results should be treated as presumptive and, when necessary for clinical management or infection control, confirmed with an FDA‑authorized molecular assay; point‑of‑care antigen procedures must be performed exactly according to the manufacturer/system instructions.
- Follow the specific system requirements (e.g., Sofia®2 must be run on the Sofia®2 system and per the test procedure).
- Positive antigen results do not distinguish viable virus and may not rule out coinfections.
Operational testing notes
For multiplex respiratory panels, if a sample returns four or more organisms detected the sample should be retested; these panels have not been established for use in persons without signs or symptoms and are not validated for asymptomatic screening or treatment monitoring.
- Panels must be used on their intended instrument systems (e.g., BioFire FilmArray 2.0 or Torch).
- A negative panel result does not necessarily exclude infection due to variants, inhibitors, sample mix‑up, organisms not on the panel, or lower respiratory tract infection not sampled by NP swab.
Result interpretation and follow‑up
Panel positive or negative results should not be the sole basis for diagnosis or patient management; follow‑up testing or alternative methods (e.g., culture, sequencing) are recommended when differentiation between closely related viruses or confirmation is clinically required.
- If the panel cannot reliably differentiate viruses (e.g., rhinovirus vs enterovirus), pursue alternate testing.
- Combine panel results with clinical observations, patient history, and epidemiology before making management decisions.
Ordering and documentation actions for providers
Order tests consistent with FDA labeling/EUA for specimen type and collection instructions; NAATs are generally preferred for symptomatic individuals, and providers should recognize NAATs may remain positive for up to 90 days which affects retesting decisions.
- Ensure specimen collection and transport follow the assay's FDA‑authorized instructions unless an LDT validation or EUA authorizes alternative specimen types.
- Whole genome sequencing has practical limitations (cost, reagents, infrastructure) and, as of May 4, 2022, no FDA‑approved WGS tests exist.
Adherence to test labeling and validation
Failure to adhere to FDA label requirements for specimen/collection type, unless validated as an LDT or authorized by an EUA for alternate specimens, can lead to inaccurate results and reimbursement denials.
- Confirm that the specimen type and collection method match the assay's authorized labeling before submitting for reimbursement.
Targeted screening and institutional risk assessment
Facilities should perform local risk–benefit analyses and may limit or discontinue universal asymptomatic screening in favor of targeted testing based on facility layout, patient population, and community transmission.
- Consider admission or preprocedure testing selectively (e.g., multibed rooms, congregate care, high community transmission) rather than routine universal screening.
- Develop facility‑specific policies incorporating local infection prevention controls.
Regulatory and guidance references
Consult cited regulatory and public health guidance (FDA EUA listings and device summaries, WHO and CDC testing guidance, and professional society recommendations) for up‑to‑date operational and regulatory context when selecting and interpreting diagnostic tests.
- Use FDA EUA summaries and the FDA In Vitro Diagnostics EUA list to confirm authorized specimen types and pooling instructions.
- Refer to WHO and CDC guidance for antigen use windows, repeat testing recommendations, and public health case definitions.
Definitions and Terminology
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