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Are COVID Treatments Still Free?

Antiviral medications can help keep a mild coronavirus infection from turning severe


a retro illustration of a red COVID-19 spike virus cell next to a blue pill symbolizing Paxlovid and other anti-viral treatments for COVID-19
Getty Images

COVID-19 activity is calmer now than it was during the peak of winter, but public health experts warn not to get too complacent. Unlike influenza and other respiratory viruses, the coronavirus hasn’t settled into a seasonal pattern, and in past years, cases have climbed back up during the warmer months.

If you find yourself testing positive for COVID this spring or summer, know that there are prescription treatments that can help keep a mild infection from turning severe. “So it’s important that everyone who’s infected and who is in a high-risk status have access to these medications,” says William Schaffner, M.D., an infectious disease specialist and professor of medicine at Vanderbilt University School of Medicine in Nashville, Tennessee.

As the pandemic subsided, widespread access to free COVID-19 treatments came to an end. Now, patients need to rely on some combination of private insurance, Medicare, Medicaid and assistance programs run by drugmakers to help cover the cost of once-free medications, including Paxlovid.

Here’s what you need to do if you test positive for COVID-19 and are eligible for time-sensitive treatments.

Who will have to pay for COVID treatments?

If you have Medicare or Medicaid

Medicare prescription drug plans (known as Part D) are required to cover oral antivirals for COVID-19, and out-of-pocket costs, if any, will vary by plan. If Medicare Part D enrollees have trouble obtaining antiviral coverage, they should contact their plan or 1-800-MEDICARE for assistance, a spokesperson from the Centers for Medicare & Medicaid Services tells AARP.

Some Medicare enrollees can get Paxlovid for free through a U.S. government patient assistance program operated by the drug’s maker, Pfizer, through Dec. 31, 2025, according to Pfizer’s website. People with Medicaid can also get free Paxlovid through this program.

Here’s how it works: Eligible patients with a prescription for Paxlovid can enroll in the assistance program online at paxlovid.iassist.com or over the phone (877-219-7225). Pfizer estimates that the enrollment process takes about five minutes, and it can be done by the patient, a caregiver, a health care provider or a pharmacist at the point of care.

The enrollment form will ask for the basics — name, date of birth, address, phone number, etc. You will also need to enter prescriber information and confirm your insurance status, so if someone else is enrolling for you, be sure they have this information. After enrolling, the patient will receive an electronic voucher that can be exchanged for a free course of Paxlovid at participating pharmacies.

There isn’t a similar government program in place for Lagevrio, another oral antiviral for COVID-19 that is available under Emergency Use Authorization (EUA) and is a treatment option for people who are unable to take Paxlovid or, if hospitalized, Veklury (remdesivir).

What about Veklury?​

Veklury (remdesivir) is another COVID-19 antiviral treatment, but unlike Paxlovid and Lagevrio, it’s not a prescription pill you take at home. The medication is administered through an IV at a medical facility; therefore, it’s covered by Part B for people with Medicare. If you have commercial insurance, coverage and out-of-pocket costs for Veklury will vary by plan. ​

Merck says it offers a Lagevrio patient assistance program for “eligible patients who, without assistance, could not otherwise afford the product.” It takes 10 to 20 minutes to determine a patient’s eligibility for this program; more information is available at merckhelps.com or by calling 800-727-5400.

If you have private insurance

You could face out-of-pocket costs for treating COVID-19 if you have private insurance, since Paxlovid and Lagevrio will “be subject to the regular cost-sharing policies” of your health plan, says Jennifer Kates, senior vice president and director of the Global Health & HIV Policy Program at KFF.

In 2023, Pfizer priced Paxlovid at $1,390 for the five-day treatment course. If your plan doesn’t cover Paxlovid or if your out-of-pocket payment is high, you may be eligible to receive assistance through Pfizer’s copay program, which involves an enrollment process that is similar to the government-backed patient assistance program. To enroll in the copay program, visit paxlovid.com/paxcess or call 877-219-7225.

Privately insured patients may be eligible for a coupon from Merck to help them save on out-of-pocket costs for Lagevrio. More information is available at lagevrio.com/patients/coupon/

If you don't have insurance

You shouldn’t have to pay out of pocket for COVID-19 treatment in the next few years if you’re uninsured. Paxlovid will remain free for people without health insurance and for people who are underinsured through 2028, according to CMS.

You’ll need to enroll in the patient assistance program to get the antiviral at no cost. More information is available at paxlovid.iassist.com or by calling 877-219-7225.

Similarly, Merck’s patient assistance program is meant to help eligible individuals who can’t otherwise afford the full cost of the medication. More information is available at merckhelps.com or by calling 800-727-5400.

Experts urge patients to be proactive

Research highlighted by HHS finds that oral antiviral treatments can reduce COVID-19 hospitalizations and deaths by as much as tenfold for people at high risk for severe disease. This population includes adults 50 and older and people with underlying health conditions, including diabetes, heart disease and obesity. However, in order for the medications to be effective, they must be started soon after symptoms appear — ideally within five days.

Because time is of the essence, Mariana Socal, M.D., associate scientist in the Department of Health Policy and Management at the Johns Hopkins Bloomberg School of Public Health, says high-risk patients should talk to their doctor about whether they’re a good candidate for one of the available treatments before they even come down with COVID-19, so there’s a plan in place if they test positive.  

Find COVID-19 Vaccines in Your State

AARP's 53 state and territory COVID-19 vaccine guides can help you find vaccines near you and provide the latest answers to common questions about costs, eligibility and availability.

Make sure you have coronavirus tests on hand, Socal adds, so if you experience symptoms, you can quickly know whether you’re dealing with COVID.

If you have symptoms but test negative for COVID-19, it’s important to still talk to your doctor, Schaffner says. You may have another illness that requires a different course of treatment.

“It is common for people to say, ‘Well, I’ll see if I get better tomorrow.’ And so they put things off, and of course, that allows the infection to continue,” Schaffner says. “We ought to overcome that reluctance and contact our providers early rather than later.”

Editor's note: This story, first published Nov. 1, 2023, has been updated to include new information.

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