Insurance & Financing

Total Testing Solutions participates with a wide range of local insurance plans and national insurance plans alike to make covering the cost of COVID testing with insurance easy for patients throughout the greater Los Angeles area. We are also contracted with more than 50 medical groups.

It is the patient’s responsibility to understand whether the insurance plan has rules or limitations regarding the specific doctors or clinics you can go to for medical services. We understand that our patients may have questions regarding accepted insurances. Please contact our billing department or your insurance carrier if you need any assistance.

Payment Options

COVID insurance coverage is readily accessible nationwide due to the pandemic. Total Testing Solutions also accepts cash payments for all COVID-19 testing services.

Financing options are available as well through a CARES account for uninsured patients. If you are uninsured, we will bill for this through our CARES account and the patient will NOT receive a bill.

Does Insurance Cover COVID-19 Testing?

Yes, the first PCR COVID-19 test is covered by insurance with no out-of-pocket costs.

As of 3/18/2020, the FFCRA mandated that all private, public, and self-funded insurance plans have to cover the cost of FDA-approved PCR COVID-19 tests. A PCR test is a viral test that uses a nasal or oral swab to detect active COVID-19 infection.

What Type of COVID Tests Does Insurance Cover?

There are some limitations to the types of tests that insurance will cover in regard to COVID-19 testing. Insurance generally only covers a one-time or first-time PCR COVID19.

Recurring PCR tests are generally not covered, requiring the patient to pay out of pocket for repeat COVID testing after the first one. We strive to keep individual COVID-19 testing affordable for patients throughout the Los Angeles area with this in mind.

Do I Have To Pay A Deductible or Copay for COVID Testing?

We offer free COVID-19 tests in Los Angeles. Unlike other COVID-19 testing clinics, we simply bill your insurance carrier without requiring the patient to pay any copays, deductibles, or hidden fees.

Uninsured patients are also invited to have a free COVID-19 test which will be billed through our CARES account. If you have a COVID-19 test at a clinic other than ours, then the patient may be responsible for co-payments, coinsurance, or other deductibles, depending on the agreement that exists between the patient and their insurance carrier. At Total Testing Solutions, we make it free so that there is no out-of-pocket cost for copays or deductibles.

I Am An Employee. Who Pays For Business COVID-19 Testing?

If you are participating in a group COVID-19 test that is organized by your business, then the company may use the employee insurance plan to cover the first PCR test. Again, repeat testing is rarely covered by insurance policies.

Frequently, the employer takes on the cash-pay expense of companywide repeat COVID tests that are required of employees. Note that an employed person that wishes to have an individual COVID-19 test that is not mandated by the company will likely have to use their own insurance policy. As always, the first PCR test is covered by insurance, and additional tests in the future have an out-of-pocket cost. We offer special financing and bulk rate options for employers when applicable. Please contact our team to learn more.

How Does A Viral Test Differ From An Antibody Test?

It is also important to note that a PCR test is different from an antibody test. PCR tests are performed to establish an active infection in a patient. Meanwhile, COVID antibody tests are used to determine if a patient had a past COVID-19 infection. Insurance generally does not cover COVID antibody testing. Only the first viral PCR test is covered.

I Need Same-day COVID Testing. Does Insurance Cover Rapid COVID-19 Tests?

We offer Rapid COVID-19 Tests with test results in as little as 15 minutes with the Abbott Now ID device or the BD Veritor Test. Cash-pay options are available, insurance and CARES financing only cover standard PCR tests. While rapid tests give the fastest possible results, the out of pocket cost may deter some patients from choosing it. The standard viral tests such as the PCR test that is covered by insurance delivers the test results within 24 to 48 hours. It is necessary to self-quarantine at home until the test results come back with a negative result. For patients that can’t wait that long to receive a diagnosis, the rapid tests are well worth the out of pocket cost.

How Is Insurance Billed For COVID-19 Tests?

When you schedule a COVID-19 test with Total Testing Solutions, please bring your insurance card. As long as the patient provides complete and accurate insurance information, we can submit the claim to your insurance carrier in order to receive payment for services. There is no out-of-pocket cost for COVID-related consults, so you will not receive a bill from insurance or Total Testing Solutions for this.

Get Fast Help For Insurance Issues

If you need any help understanding COVID insurance coverage or our CARES financing for the uninsured, you may contact Total Testing Solutions by phone or email for insurance-related issues. Our team will get back to you as soon as possible.

COVID Testing Sites

Glendora: 901 S Grand Ave

Los Angeles: 1501 Los Angeles Street

Century City: 10830 Santa Monica Blvd.

North Hollywood: 4835 Lankershim Blvd.

Los Angeles: 1724 Pennsylvania Ave

Commerce: 2535 Commerce Way

Ladera Heights: 5247 Overdale Dr

Long Beach: 1645 E Pacific Coast Hwy

Santa Clarita: 26455 Rockwell Canyon Rd

Hawthorne: 3555 Rosecrans Ave

Santa Clara: 1210 Coleman Ave

City of Industry: 16200 Temple Ave

San Diego: 12119 World Trade Dr

South El Monte: 1530 Central Ave

Harbor Gateway: 731 W 182nd St

Los Angeles: 20220 Santa Fe Ave

COVID Vaccine Sites

Los Angeles: 1 Gateway Plaza

Coronavirus Testing Los Angeles