In Canada or the U.K-billing the patient like this is simply not allowed
In March, Congress passed legislation aimed at requiring for-profit health insurance companies to cover all FDA-approved coronavirus tests with no cost-sharing—but federal laws have not stopped insurers from hitting vulnerable Americans with large surprise bills during an ongoing pandemic and economic crisis that pushed millions to the brink of financial ruin.
“If I had to pay it off, it would clear out my savings,” New York City resident Kelly Daisley told the New York Times after Anthem charged her $2,718 for a Covid-19 test that was advertised as free.
Under the Families First Coronavirus Response Act and the CARES Act, private insurers are supposed to shoulder the all of the costs of coronavirus tests, including those offered by out-of-network providers. But the laws—and the Trump administration’s
narrow interpretations of them—are rife with loopholes that insurance giants have not hesitated to exploit, potentially leaving hundreds of thousands of Americans with unanticipated charges.