Before you register for the TOEFL iBT Home Edition or Paper Edition, make sure your computer and testing room meet the following requirements. If you don't meet these requirements on test day, you won't be able to test, and you won't receive a refund or a free reschedule.
The problem is likely to get worse as COVID-19 cases rise sharply in parts of the U.S. and the push for testing grows, says Karen Pollitz, a senior fellow at the Kaiser Family Foundation (KFF) who has co-authored several reports on the financial impact of the pandemic.
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The charges for COVID-19 testing can be substantial. While a recent analysis by KFF of the two largest hospitals in every state and Washington, D.C., found that about half of healthcare providers that posted list prices for COVID-19 tests charge $100 to $199, 19 percent charged $200 or more. Meanwhile, of the hospitals that posted prices for antibody tests, almost 60 percent of those tests cost $50 to $149 while 16 percent were $150 or more.
You get treatment for COVID-19. While the doctor visit and the test itself are covered, there are no federal laws that require health insurance companies to cover the cost of treatment related to COVID-19 health problems if you are insured. If you end up testing positive for the coronavirus and get treatment or are admitted to a hospital, you can expect to be charged for your care, and have to pay your normal deductibles and copays and, if your provider is not in your network, possibly higher out-of-network fees, too.
Check government resources. Some states, such as New York and New Jersey, that were hit hard early in the pandemic this spring invested a lot of money in setting up testing sites that offer free tests regardless of whether you have insurance, Pollitz says. Check to see whether your state offers similar services.
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