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Coronavirus Testing in the Outpatient Setting
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Defines coverage, limitations, and reimbursement rules for coronavirus testing performed in the outpatient setting for Oscar Health members; excludes work/school/state/federal surveillance testing and applies per member benefit at time of request.
No material clinical or coverage changes in this revision.
Coverage criteria for outpatient coronavirus testing
Medically Necessary / Covered Testing
Covered when ANY of the following are met:
See Note 1 for symptoms; applies to outpatient setting.
See Notes 2 and 3 for MIS definitions; send serology prior to IVIG when applicable.
Not Medically Necessary / Not Covered
Not covered / Does not meet criteria:
Distinct lineages as defined by Nextstrain or GISAID.
IDSA NAAT testing criteria
IDSA NAAT recommendations — covered/appropriate scenarios and constraints
Specimen types include NP, AN, OP, MT, saliva or mouth gargle; choice may affect sensitivity.
Compared to NP, AN or OP alone yield more false-negatives; follow FDA-labelled specimen types and LDT validations if deviating.
Conditional recommendation; not routine.
Conditional recommendation; useful for isolation decisions and for high-risk individuals.
May be considered during high community transmission or specific settings.
Consider patient and procedure factors instead of routine repeat testing.
Serology testing criteria and limitations
Serology guidance (IDSA, AACC, AMA)
IDSA strong recommendation.
AACC and IDSA guidance; AMA cautions against using serology to determine immune status.
AACC and AMA statements.
Genotyping and surveillance guidance
Genotyping and genomic surveillance
IDSA/ASM consensus review notes limited current clinical applications.
ECDC guidance emphasizes robust surveillance strategies.
Asymptomatic screening recommendations
Asymptomatic screening stance (SHEA/ASA/APSF)
SHEA statement supported by ASA and APSF; recommend facility-specific risk/benefit analysis.
Local infection prevention assessment recommended.
Covered testing indications and clinical pathways
Guidance-driven testing indications and pathways (synthesized from cited authorities):
Sources: ECDC, AAP
Source: ECDC
Source: ECDC
Sources: AAP, CDC/CSTE, ACR
Source: ECDC
This policy applies only to outpatient testing performed for medical decision-making and is applied based on the member's benefit coverage at the time of the request. It does not address testing that is mandated for work, school, state, or federal surveillance purposes. Providers should verify member benefits and document medical necessity when ordering testing in the outpatient setting.
Host antibody (serologic) tests detect immunoglobulins produced after SARS‑CoV‑2 infection, but they are not appropriate for diagnosing or excluding acute infection. FDA guidance and the policy state that antibody test results should not be used as the sole basis for clinical decisions about active infection because antibodies typically develop days to weeks after symptom onset and may be absent in the early phase.
Antigen tests identify viral proteins and can be useful for point-of-care diagnosis, but they have important limitations: they may not distinguish SARS‑CoV from SARS‑CoV‑2, cannot differentiate viable from non‑viable virus, and negative results can occur when viral levels are below the test's limit of detection. Negative antigen results should be considered presumptive and confirmed with an FDA‑authorized molecular assay when clinically necessary; strict adherence to manufacturer procedure is required to avoid invalid results.
Multiplex respiratory panels (e.g., BioFire RP2.1, QIAstat‑Dx) detect multiple pathogens from a single specimen but are not validated for use in individuals without signs or symptoms of respiratory infection. Panel results should not be the sole basis for diagnosis or treatment decisions; negative results do not exclude infection and unexpected detections may require confirmatory testing and clinical correlation.
The World Health Organization does not recommend using saliva as the sole specimen type for routine clinical diagnostics. While saliva‑based assays exist (e.g., SalivaDirect), WHO guidance endorses nucleic acid testing as the routine confirmatory method and cautions against relying solely on saliva for routine diagnosis.
Professional organizations and laboratory guidance advise that serologic testing should not be used to determine an individual's protective immunity, to make return‑to‑work decisions, for cohorting, or to direct PPE use or placement of high‑risk job functions. Antibody results may reflect prior infection or vaccination and do not reliably indicate current infectiousness or level of protection.
Antibody tests are intended to indicate past infection or vaccination response and are not useful for diagnosing acute infection. They cannot determine current infectiousness or precisely time an infection, and spike‑targeting assays may not distinguish prior infection from vaccination; therefore antibody results should not be used to infer infectiousness or the timing of infection.
SARS‑CoV‑2 genotyping, neutralization antibody testing, and testing for endemic human coronaviruses (229E, NL63, OC43, HKU1) in the outpatient setting do not meet criteria due to insufficient evidence of clinical benefit and are considered not medically necessary under this policy.
Point‑of‑care serological tests using lateral flow immunoassays (LFIA) have demonstrated limited sensitivity in meta-analyses and available evidence does not support continued use of existing point‑of‑care serologic tests for diagnostic purposes in the outpatient setting.
The BioFire RP2.1 panel has not been established for specimens collected from individuals without signs or symptoms of respiratory infection and has not been validated for monitoring treatment. Using this panel for asymptomatic screening or to monitor therapy is not supported by its intended use and should not be relied on for those purposes.
IDSA guidance suggests against routine NAAT screening of asymptomatic individuals without a known exposure for hospital admission or procedures (conditional recommendation, very low certainty). Routine pre‑procedure NAAT in asymptomatic, unexposed individuals is generally not supported except in specific high‑risk situations identified by local infection control assessments.
Procedure, specimen, and reimbursement coding
Provider actions, documentation, and billing guidance
Verify member benefit and medical necessity
Coverage is determined by the member’s benefit at the time of the request and whether the test meets medical necessity criteria; the policy itself does not guarantee reimbursement and providers must verify benefit eligibility before ordering.
- Application of criteria is dependent upon an individual's benefit coverage at time of request (III).
- Services must meet authorization and medical necessity guidelines; coverage does not guarantee reimbursement (Important Note).
Consider low yield and impact of asymptomatic pre‑procedure RT‑PCR
Routine pre‑operative RT‑PCR screening in asymptomatic patients has a low positive rate (0.41% in one study) and can cause delays and added costs; consider local testing protocols and document rationale when authorizing elective procedures.
- Study of 7,579 pre‑procedural tests found 31 (0.41%) positives, with many procedures delayed (average delay 49 days) and high cost per positive.
- Consider documented testing protocols and cost/benefit when authorizing elective procedures.
Choose and justify multiplex panel selection
When ordering multiplex respiratory panels, select the panel appropriate to the clinical presentation and document rationale because panels detect multiple pathogens from a single nasopharyngeal specimen, can be costly, and may show preferential amplification or reduced sensitivity for certain targets.
- Multiplex panels (e.g., BioFire RP2.1, QIAstat‑Dx, ePlex, cobas SARS‑CoV‑2 & Influenza A/B, Xpert Xpress SARS‑CoV‑2/Flu/RSV) detect and differentiate multiple pathogens from one NP specimen (Panel Testing).
- Panels can produce false‑negatives due to preferential amplification and have limitations (e.g., BioFire RP2.1 not established for asymptomatic individuals).
- Document clinical indication and rationale when ordering multiplex testing due to cost and potential assay limitations.
No prior authorization specified in this section
This section contains no explicit prior authorization requirements or routine prior authorization codes; providers should follow benefit verification and medical necessity policies when seeking authorization.
- No prior authorization statements are included in this section (Panel Testing).
- Follow benefit verification and applicable authorization processes per member benefit documents.
No explicit prior authorization requirements stated
No explicit prior authorization requirements are specified in these clinical and testing guidance sections; adhere to benefit verification and authorization procedures in the member’s plan when applicable.
- Policy text states no explicit prior authorization requirements in this section (Miscellaneous Testing).
Adhere to FDA‑labeled specimen types for NAATs
NAATs must be used per their FDA‑authorized labeling for specimen types and collection methods; deviations require LDT validation or an FDA EUA and failure to follow label requirements can lead to inaccurate results and reimbursement denials.
- FDA approval indicates specific collection and specimen types; failure to adhere to label requirements without LDT validation or EUA can cause inaccurate results and reimbursement denials (IDSA).
Use listed procedure codes and document testing context
Include appropriate procedure codes when requesting coverage: SARS‑CoV‑2 antibody (86413, 86769), nucleic acid detection (87798), and CDC/non‑CDC RT‑PCR panels (U0001, U0002); report place of service and clinical context as required.
Publication history contains no authorization/billing directives
Evidence/publication sections document governance approval (06/16/2026) and list references but do not address prior authorization or billing actions; providers must rely on benefit and reimbursement sections for billing rules.
- Publication History: Governance approved 06/16/2026 and reference list provided (Publication History, Evidence).
- No prior authorization or billing actions are specified in these reference chunks.
Bill a single procedure code; specimen collection incidental
Only one procedure code will be reimbursed per date of service; specimen collection codes for coronavirus testing are considered incidental and will not be reimbursed separately—ensure claims reflect a single appropriate code.
- AMA guidance: only one code per date of service will be reimbursed (V. Reimbursement).
- Specimen collection codes are considered incidental and will not be reimbursed (V. Reimbursement).
Prefer RT‑PCR/validated NAATs for acute infection
For acute infection diagnosis, prefer RT‑PCR/NAATs with assays and primers validated for SARS‑CoV‑2; rapid NAATs may be acceptable in symptomatic patients per IDSA and CDC hierarchies.
- RT‑PCR is used to diagnose acute infection when appropriate primers target SARS‑CoV‑2 (Nucleic Acid Testing).
- CDC and IDSA guidance favor NAATs for high sensitivity; rapid NAATs may be used depending on context and validated assays (CDC, IDSA).
Confirm negative antigen results with molecular testing when clinically necessary
A negative antigen test in a symptomatic patient should be considered presumptive; confirm with an FDA‑authorized molecular assay (NAAT) when needed for clinical management or infection control.
- Antigen negative results 'should be treated as presumptive and confirmed with an FDA authorized molecular assay, if necessary, for clinical management, including infection control' (Clinical Utility of Antigen Testing).
- CDC advises that a single negative antigen test cannot rule out infection; repeat antigen tests or NAAT confirmation may be needed (CDC).
Use pathogen‑specific molecular tests for suspected Bordetella pertussis
For suspected Bordetella pertussis, use an FDA‑cleared, pathogen‑specific molecular test rather than a broad multiplex panel (e.g., BioFire RP2.1) because panels may have reduced sensitivity for B. pertussis.
- BioFire and other panels have limitations and may show reduced sensitivity for certain targets such as B. pertussis; use specific FDA‑cleared molecular tests when pertussis is suspected (Clinical Utility of Panel Testing).
Follow CDC/IDSA testing hierarchy when selecting tests
Use CDC and IDSA testing hierarchies when selecting tests: NAATs preferred for sensitivity; antigen tests may be used with specific repeat‑testing algorithms based on exposure and symptom status.
- CDC guidance lists NAATs as most highly recommended due to sensitivity and specificity (CDC).
- IDSA suggests using rapid or standard NAATs in symptomatic individuals and provides conditional guidance on specimen types and repeat testing (IDSA).
Do not routinely repeat NAAT; consider 24–48 hour repeat when indicated
Routine repeat NAAT is not suggested after a negative initial test; consider repeat testing 24–48 hours later only for new or worsening symptoms, poor specimen collection, or timing concerns.
- IDSA: do not routinely repeat NAAT after a negative result; consider repeat testing 24–48 hours later for new/worsening symptoms or poor specimen collection (IDSA recommendations).
Testing approach for symptomatic children: antigen or NAAT; repeat antigen at 48 hours if negative
For symptomatic children, either antigen tests or NAATs can be used; if an antigen test is negative in a symptomatic child, consider repeating the antigen test at 48 hours per AAP/FDA guidance or confirming with NAAT as clinically indicated.
- AAP: NAATs and antigen tests acceptable for symptomatic children; providers may repeat antigen testing at 48 hours for a negative result (AAP).
- CDC/IDSA: antigen testing has specific repeat algorithms and NAAT preferred for sensitivity in many settings.
Document services and verify benefits before testing
Providers must submit accurate documentation of services performed and verify member benefits; ensure records support medical necessity and any authorization requested.
- Policy notes providers are responsible for submission of accurate documentation and that services must meet authorization and medical necessity guidelines (Important Note, III).
- Application of criteria depends on individual's benefit coverage at time of request (III).
Record specimen type and timing relative to symptoms
When reporting NAAT results, document specimen type and timing relative to symptom onset because sensitivity varies by specimen site and timing; anterior nasal swabs may have adequate sensitivity compared with oropharyngeal specimens in some studies.
- Document specimen type and timing relative to symptom onset; specimen choice affects sensitivity (Clinical Utility and Validity).
- Study showed anterior nasal swabs had adequate sensitivity vs oropharyngeal swabs in one analysis (Li et al.).
Document antigen test procedure and adherence to manufacturer instructions
Follow manufacturer instructions and document test procedure for instrument‑dependent antigen tests (e.g., Sofia®2), including specimen type (nasal vs nasopharyngeal) and adherence to processing/timing to avoid invalid results.
- Sofia®2 requires specific operation modes and specimen types; accurate performance per manufacturer instructions is required (Antigen Testing).
- Failure to follow the test procedure can invalidate results; document adherence to manufacturer steps and specimen type.
Correlate panel results clinically and arrange follow‑up testing if needed
Combine panel results with clinical observations, patient history, and epidemiologic information; unexpected detections or inability to differentiate organisms may require follow‑up testing or sequence analysis.
- Panel results should not be used as the sole basis for patient management; negative results must be combined with clinical observations and epidemiologic information (ePlex/BioFire guidance).
- If differentiation (e.g., rhinovirus vs enterovirus) is required, follow‑up testing such as cell culture or sequencing may be needed.
Document MIS‑C / MIS‑A clinical and laboratory criteria including SARS‑CoV‑2 testing
For MIS‑C and MIS‑A evaluations, document clinical and laboratory criteria per CDC definitions and include SARS‑CoV‑2 testing (NAAT, antigen, or serology) within specified windows to support case classification.
- CDC MIS case definitions require documentation of clinical criteria and laboratory evidence (detection of SARS‑CoV‑2 RNA, antigen, or antibodies up to 60 days prior or during hospitalization).
- Ensure testing and clinical data are recorded to meet Confirmed, Probable, or Suspect classifications.
Adhere to and document specimen collection and transport requirements
Collect and transport specimens according to test‑specific instructions and approved specimen types; document collection method and transport conditions to ensure result quality and reimbursement compliance.
- Appropriate specimen collection and transport are critical; follow test‑specific instructions including approved specimen types and methods (IDSA, ePlex/BioFire guidance).
- Document specimen type and collection method to support interpretation and payer review.
Send serology before IVIG for MIS‑C evaluation
When evaluating MIS‑C, send serologic testing prior to administration of IVIG because IVIG can affect serology results and timing influences interpretation.
- AAP: 'Serologic tests must be sent prior to administration of intravenous immunoglobulin (IVIG)' for MIS‑C evaluation.
Cite evidence references when documenting clinical rationale
Refer to the policy’s evidence references to support clinical decisions and coverage rationale; the publication history and reference list are provided but include no direct provider action steps beyond citation.
- Evidence‑based references are listed (items 43–56 shown) to support clinical decisions (X. Evidence‑based Scientific References).
- Publication history records governance approval on 06/16/2026.
Ensure coding and billing comply with policy and AMA/CMS guidance
Claims may be denied or recouped if coding/billing guidelines or current reimbursement policies are not followed; ensure coding matches the documented clinical indication and follow AMA/CMS coding guidance.
- Policy warns that failure to follow coding/billing guidelines or current reimbursement policies may result in claim denials or recoupment (Important Note).
- AMA guidance: only one code per DOS reimbursed; specimen collection incidental—bill accordingly (V. Reimbursement).
Do not rely solely on negative NAAT/RT‑PCR for management
Do not use a negative RT‑PCR result as the sole basis for patient management; consider timing of specimen collection, specimen quality, and clinical context because false negatives can occur early in infection or with poor collection.
- 'Negative results do not preclude SARS‑CoV‑2 infection and should not be used as the sole basis for patient management decisions' (Clinical Utility and Validity of NAAT).
- Initial false negatives may result from improper collection or testing early in incubation period; interpret results with clinical context.
Confirm negative antigen tests with NAAT when clinically indicated
Treat negative antigen results as presumptive; confirm with an FDA‑authorized molecular assay when necessary for clinical management or infection control, and ensure test procedures were followed to avoid invalid results.
- Clinical Utility: 'All negative results should be treated as presumptive and confirmed with an FDA authorized molecular assay, if necessary, for clinical management, including infection control.'
- Failure to follow test procedure can adversely affect performance and invalidate antigen test results.
Avoid using BioFire RP2.1 for treatment monitoring or asymptomatic screening
Do not use the BioFire RP2.1 panel for treatment monitoring or routine asymptomatic screening; results from the panel should not be the sole basis for diagnosis or treatment decisions.
- BioFire RP2.1 'has not been established for specimens collected from individuals without signs or symptoms of respiratory infection' and 'has not been validated for the monitoring of treatment'.
Recognize practical and regulatory limits on whole genome sequencing
Whole genome sequencing is limited by lack of FDA‑approved tests and practical barriers (high cost, reagent shortages, need for specialized infrastructure and trained staff); consider these limitations before ordering WGS for clinical purposes.
- WGS 'presents practical difficulties such as high cost, shortage of available reagents, need of specialized laboratorial infrastructure and well‑trained staff' and as of May 4, 2022, there are no FDA‑approved WGS tests.
Follow FDA label requirements for specimen collection or validate deviations
Adhere to FDA label requirements for specimen collection and specimen types unless the laboratory has validated the test as an LDT or the method is authorized by an EUA; failure to do so can produce inaccurate results and reimbursement denials.
- IDSA: FDA approval of NAATs indicates specific collection and specimen types; failure to adhere to label requirements without proper validation can lead to inaccurate results and reimbursement denials.
Apply government coverage policy precedence (LCD/NCD) when conflicts exist
If this policy conflicts with applicable government policies (LCDs/NCDs), government policy takes precedence in coverage determinations; verify applicable Medicare/Medicaid rules when relevant.
- 'If there is a conflict between this Policy and any relevant, applicable government policy... then the government policy will be used to make the determination' (Applicable State and Federal Regulations).
Publication history notes governance approval but no billing directives
Publication history records governance approval on 06/16/2026; these sections do not specify any prior authorization or billing actions—use the reimbursement and coding sections for billing rules.
- Publication History: 06/16/2026 Original Documentation; Governance Approved.
- Reference and publication chunks contain no explicit authorization or billing directives.
Background and evidence context
Human coronaviruses include endemic common‑cold strains (e.g., 229E, NL63, OC43, HKU1) and the epidemic/pandemic strains SARS‑CoV, MERS‑CoV, and SARS‑CoV‑2. Diagnostic modalities discussed in this policy include nucleic acid amplification tests (RT‑PCR/NAAT), antigen detection assays, and host antibody serology. Severe COVID‑19 can lead to hospitalization, respiratory failure, and multisystem complications; testing modality selection should consider timing relative to symptom onset, specimen type, and the clinical question being asked.
Definitions and test modality terms
Policy revision and governance history
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