Housing and Development Newsletter Many of them used urgent care clinics to get a test, where appointments have been easy to get or walk-ins are available. In some cases, health insurance covered part of the bill for a local COVID-19 test, but not all of it. For others, health insurance plans reportedly did not cover the cost of testing, or providers billed patients directly and did not file claims with the health insurance company. Most of these tests were done before February, so it’s possible that some of the bills should be reimbursed by health insurance plans and others are exceptions to federal consumer protections.