Table of contents
What types of tests are available for COVID-19? And what’s the difference?
There are two types of tests available for COVID-19:
- Diagnostic tests check whether you have an infection and if it is contagious. These tests are done by spitting into a cup or having a swab inserted into your nose or throat. There are two kinds of diagnostic tests: laboratory-based tests and point-of-care tests (also called rapid tests). Laboratory tests take longer but are more accurate.
- Antibody or serology tests measure the presence of antibodies in the blood. These tests require blood to be drawn and show if you had a previous infection. They cannot tell if you have an active infection at the time of the test.
What are the two types of diagnostic tests?
1. Molecular tests: PCR (polymerase chain reaction) and LAMP tests
- Done in a laboratory
- Thought to be the most accurate option
- Generally take longer. This is because they take a few hours to complete after they are sent to the lab.
2. Antigen tests
- Most common type of rapid or point-of-care tests
- Most often much faster
- Most often cheaper than PCR or LAMP tests
- Tend to be less accurate when the result is negative
- This means you may get a “false negative” result. For example, your rapid test may show you are negative for an active COVID-19 infection. But a PCR test may show that you are actually positive. Sometimes testing more often can make up for some of these issues.
Talk to your doctor before using a rapid antigen test. Ask them:
- If it's the right test for you.
- What the results might mean.
What are the differences between the two diagnostic tests?
All tests may vary in their accuracy. This can depend on:
- How specimens are collected and handled,
- Time between exposure and testing,
- How much virus is present in the test sample,
- The manufacturer of the test kit, and
- The lab analyzing the test sample.
I’ve heard there are concerns about antibody tests. What are those concerns?
An antibody or serology test generally cannot show if there is a current infection. This is because it can take 1 to 3 weeks after infection to make antibodies. This test is not suitable for the diagnosis of a current infection.
Also, it hasn’t been determined if having antibodies to the virus or a positive test result can protect someone from getting infected with the virus again. If there is protection, it is also not known how long it might last or if someone with antibodies could still be contagious.
Blue Shield will not cover antibody tests unless ordered by a healthcare provider licensed to order COVID-19 tests (and for a rare case in which it is needed to help make a diagnosis).
Who can get tested for COVID-19?
Everyone can get tested. Most individual diagnostic testing ordered or performed by a health care provider is covered without out-of-pocket costs. But there may be some instances when a copay is required or you may be required to pay for the full cost of a test. See the testing coverage FAQs for more details.
COVID-19 diagnostic testing ordered or provided by a health care provider is covered with no out-of-pocket costs:
Whether or not you have symptoms of COVID-19.
Whether or not you think you were exposed to someone who has COVID-19.
When should I get tested?
Timing for testing is important. The incubation period for COVID-19 is around 5 to 7 days. But it can be up to 14 days.
If you have symptoms, it is advised that you take a test 3 days after symptoms develop. If you have been exposed to COVID-19 but have no symptoms, it is advised that you take a test 4 - 8 days after exposure.
Testing too early or too late is likely to result in a negative test even if you have been infected. Your healthcare provider can help determine when you should be tested.
If I test negative, does that mean I don't have COVID-19?
If your diagnostic test for COVID-19 is negative, you could still have COVID-19. This can happen if the test was taken too early or too late in the infection. It can also depend on the type of test you took. The negative test result just means that you probably did not have COVID-19 at the time of your test. Also, sometimes the test can be wrong. That does not mean you will not get sick or that you are not contagious. You could also be exposed to COVID-19 and get infected after the test. Everyone needs to take precautions even if they have had a negative test.
What do I do if I test positive?
Speak with your healthcare provider about the next steps for care. Read more about getting care.
Where can I get a COVID-19 test?
Blue Shield recommends that you visit an in-network testing site whether you have a healthcare provider order or not. However, diagnostic testing ordered or performed by licensed or authorized out-of-network health care providers is also covered.
If you have symptoms or think you have been exposed to someone who has COVID-19, contact your healthcare provider. They can tell you where to get a test if needed.
If you have no symptoms and don’t think you have been exposed to COVID-19, you have a few options:
- Use the State testing locator to find a testing site. The location results from the State may include out-of-network sites.
- Check your county or local public health department.
- Find a health center that provides COVID-19 testing.
- There may be community testing sites available to help you.
- Visit a network testing location, like one of these retail pharmacies:
- In addition to the locations listed above, you can also call the COVID-19 state hotline (833) 422-4255 to find a test site near you.
If you are an essential worker and are at least 18 years old, you can order an at-home test kit from Blue Shield’s Pixel by LabCorp page. This is the only way to order a home test kit and have it covered. However, out-of-pocket costs may still apply depending on your plan.
This order site should not be used for:
- Essential worker testing if you do not want to pay anything out-of-pocket,
- Non-essential workers,
- Members with a Medicare Advantage plan,
- Members with a Cal MediConnect plan,
- Members with a Medi-Cal plan members (no Blue Shield Promise members), or
- Members with an employer-sponsored self-funded plan that has not elected to cover this service.
Read Coverage for COVID-19 testing FAQs to learn more about coverage. This can also tell you if you might have out-of-pocket costs.
How do I know if I’m an essential worker who is eligible to order an at-home test kit through Blue Shield?
Essential worker testing applies only for members enrolled in:
- Individual and family plans, such as plans purchased by an individual through Covered California or directly from a broker or Blue Shield.
- Employer-sponsored (also known as group) plans:
- That are fully insured, or
- That are self-funded plans that have elected to cover this service.
All other plans are ineligible for essential worker testing (Medicare Advantage, Cal MediConnect, Medi-Cal, or employer-sponsored self-funded plans who have elected not to cover this service.
The California Department of Managed Health Care (DMHC) says you are an essential worker if you meet any of the criteria below.
- Work in correctional facilities,
- Work in a group living or congregate-care facility, e.g., residential care facility or homeless shelter, or
- Provide care in the home to an elderly person or person with a disability.
If you work in one of the sectors below AND regularly have contact with the public or with people who may have or been exposed to COVID-19:
- Health care
- Emergency services
- Public transportation
- Food services
If you work in one of the sectors below AND have frequent interactions with the public. Or, if you can't regularly maintain at least six feet of space from other workers:
- Food manufacturing
Read additional details from the DMHC.
Should I still get tested for COVID-19 even after I’ve been fully vaccinated?
Yes. If you have symptoms of COVID-19, you should get tested. This is true even after being vaccinated. Tests for COVID-19 work the same in vaccinated people as they do in unvaccinated people.
As more is learned about the vaccine, this guidance may change.