Health Library

Avoid out-of-pocket costs for COVID-19 testing

We understand that this is a confusing time. Information about the coronavirus—including where, how, and when to get tested for it—changes regularly. In the event you’ll need COVID-19 testing, knowing where to go before you need care will help you save money and give you peace of mind. Blue Cross® Blue Shield® of Arizona (BCBSAZ) is here to help.

Who should get tested?

  • People who have symptoms of COVID-19.
  • People who have had close contact (within 6 feet of an infected person for a cumulative total of 15 minutes or more over a 24-hour period) with someone with confirmed COVID-19.
  • People who have taken part in activities that put them at higher risk for COVID-19 because they cannot socially distance as needed, such as travel, attending large social or mass gatherings, or being in crowded indoor settings.
  • People who have been asked or referred to get testing by their healthcare provider, local or state health department.

Where can people get a COVID-19 test? 
Visit for an interactive map of COVID-19 testing sites. Pre-registration may be required, call or visit the website of the COVID-19 testing site before visiting the location.

What does the COVID-19 test cost?

Nothing for BCBSAZ members. We are waiving copay and co-insurance for COVID-19 diagnostic tests that are:  

  • Approved by the U.S. Food and Drug Administration (FDA)
  • Ordered by a physician (MD/DO), nurse practitioner, physician assistant, or authorized pharmacist
  • Performed according to guidelines from the Centers for Disease Control and Prevention (CDC)

To avoid unnecessary costs, members should have their test administered by or at a testing event conducted by a laboratory, a provider, or a healthcare facility such as a:

  • Hospital
  • Healthcare screening conducted by a licensed healthcare provider (MD/DO, nurse practitioner, or physician assistant)
  • Government organization (which requires a provider’s order to be covered by BCBSAZ)

It’s important to not go to the ER specifically for a COVID-19 test. While the test is covered, you will need a doctor referral to avoid out-of-pocket costs. 

Remember that when it comes to your health, you can rely on BCBSAZ. Start at, where you’ll find a collection of articles with ideas and updates to help you navigate life in the era of COVID-19.

Related stories

This information is provided for educational purposes only. Individuals should always consult with their healthcare providers regarding medical care or treatment, as recommendations, services or resources are not a substitute for the advice or recommendation of an individual's physician or healthcare provider. Services or treatment options may not be covered under an individual's particular health plan.