The federal government has already passed legislation requiring private insurers, Medicare, and Medicaid to cover testing for the novel coronavirus and coronavirus-related doctor visits without any cost to the patient.

However, when it comes to the question of who’s going to pay for Covid-19 treatment, the answer is murky. For the majority of people who get Covid-19, symptoms are likely to be mild to moderate and can be treated by resting at home, but for those who require hospitalization, the costs could be very high.

Many large national plans, such as Cigna, Aetna, Humana, Centene, and United, as well as some Blues plans including Florida Blue, BCBS of Michigan, and BCBS of North Carolina, have already agreed to waive cost sharing for members’ Covid-19 treatment in their fully-funded and Medicare Advantage plans.

Read on for what the cost of coronavirus treatment could be and who will front the bill.  You can also jump to the section you are interested in: uninsured, Medicare, Medicaid, or commercial insurance.