Do I need additional insurance to cover COVID-related issues?

No. An emergency regulation requires health insurers to cover—with no out-of-pocket costs—testing for COVID-19 and the office, urgent care center, or emergency room visit when the purpose of the visit is to be tested for COVID-19. No “out-of-pocket cost” means that you cannot be charged a copay or have to meet your deductible for the test or visit. Treatment of COVID-19 must be covered according to your insurance policy.