By:  Elisabeth Rosenthal and 
March 30, 2020

By March 5, Andrew Cencini, a computer science professor at Bennington College, had been having bouts of fever, malaise and a bit of difficulty breathing for a couple of weeks. Just before falling ill, he had traveled to New York City, helped with computers in a local prison and gone out on multiple calls as a volunteer firefighter.

So with Covid-19 cases rising across the country, he called his doctor for direction. He was advised to come to the doctor’s group practice, where staff took swabs for flu and other viruses as he sat in his truck. They came back negative.

By Monday, March 9, he reported to his doctor that he was feeling better but still had some cough and low-grade fever. Within minutes, he got a call from the heads of a hospital emergency room and infectious-disease department where he lives in upstate New York: He should come right away to the E.R. for newly available coronavirus testing. Though they offered to send an ambulance, he felt fine and drove the hour.

In an isolation room, the doctors put him on an IV drip, did a chest X-ray and took the swabs.

Now back at work remotely, he faces a mounting array of bills. His patient responsibility, according to his insurer, is now close to $2,000, and he fears there may be more bills to come.

“I was under the assumption that all that would be covered,” said Mr. Cencini, who makes $54,000 a year. “I could have chosen not to do all this, and put countless others at risk,” he added. “But I was trying to do the right thing.”

The new $2 trillion coronavirus aid package allocates well over $100 billion to what Senator Chuck Schumer of New York called “a Marshall Plan” for hospitals and medical needs.

But no one is doing much to similarly rescue patients from the related financial stress. And they desperately need protection from the kind of bills that patients like Mr. Cencini are likely to incur in a system that charges expansively for every bit of care it dispenses.

On March 18, President Trump signed a law intended to ensure that Americans could be tested for the coronavirus free, whether they have insurance or not. (He had also announced that health insurers have agreed to waive patient co-payments for treatment of the disease.) But their published policies vary widely and leave countless ways for patients to get stuck.

While insurers had indeed agreed to cover the full cost of diagnostic coronavirus tests, that may well prove illusory: Mr. Cencini’s test was free but his visit to the E.R. to get it was not.

As might be expected in a country where the price of a knee X-ray can vary by a factor of well over 10, labs so far are charging between $51 (the Medicare reimbursement rate) to more than $100 for the test. How much will insurers cover?

Those testing laboratories want to be paid — and now. Last week the American Clinical Laboratory Association, an industry group, complained that they were being overlooked in the coronavirus package.

“Collectively, these labs have completed over 234,000 tests to date, and nearly quadrupled our daily test capacity over the past week,” Julie Khani, president of A.C.L.A., said in a statement. “They are still waiting for reimbursement for tests performed. In many cases, labs are receiving specimens with incomplete or no insurance information, and are burdened with absorbing the cost.”

There are few provisions in the relief packages to ensure that patients will be protected from large medical bills related to testing, evaluation or treatment — especially since so much of it is taking place in a financial high-risk setting for patients: the emergency room.

In a study last year, about one in six visits to an emergency room or stays in a hospital had at least one out-of-network charge, increasing the risk of patients’ receiving surprise medical bills, many demanding patient payment.

That is in large part because many in-network emergency rooms are staffed by doctors who work for private companies, which are not in the same networks. In a Texas study, more than 30 percent of E.R. physician services were out-of-network — and most of those services were delivered at in-network hospitals.

The doctor who saw Mr. Cencini works with Emergency Care Services of New York, which provides physicians on contract to hospitals and works with some but not all insurers. It is affiliated with TeamHealth, which is a medical staffing business owned by the private equity firm Blackstone and has come under fire for generating surprise bills.

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