Are COVID Treatments Still Free?

The enrollment form will ask for the basics — name, date of birth, address, phone number and so on. You will also need to enter prescriber information and confirm your insurance status, so if someone else is doing the enrollment 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.

At the start of the program, Pfizer told AARP that approximately 55,000 pharmacies were participating, and more were expected to join. This includes retail chains such as CVS, Walgreens, Walmart, Kroger, Costco and several others. If there isn’t a participating pharmacy nearby or if the pharmacy is out of Paxlovid, overnight shipping to the patient’s home will be available, Pfizer says.

Patients who enroll in the program will remain enrolled through Dec. 31, 2024, and will be able to receive more than one prescribed treatment course of Paxlovid throughout the year, Pfizer tells AARP, should you catch COVID-19 more than once in 2024.

Alternatively, people with Medicare Part D can choose to use their prescription drug plans to acquire oral antiviral COVID-19 treatments, a spokesperson for the Centers for Medicare & Medicaid Services says. Out-of-pocket costs, if any, will vary by plan. CMS says it “has encouraged Part D sponsors to conduct an expedited review of oral antivirals for COVID-19 released commercially on the market and add at least one oral antiviral for COVID-19 that meets the definition of a Part D drug to their formulary on a preferred or $0 cost-sharing tier, as available in the plan benefit structure.”

The Department of Health and Human Services (HHS) says that if a Part D enrollee has trouble obtaining Paxlovid coverage, they should contact their plan or 800-MEDICARE for assistance.

People who get health care through the Indian Health Service, the Department of Veterans Affairs or the Department of Defense will continue to be able to access for free a supply of Paxlovid stockpiled by the federal government, HHS says.

What happens after 2024 for individuals with Medicare, Medicaid and other government insurance programs remains to be seen.

There isn’t a similar government program in place for Lagevrio, according to the drug’s manufacturer, Merck. Lagevrio, another oral antiviral for COVID-19, is available under an Emergency Use Authorization (EUA) from the Food and Drug Administration (FDA) and is a treatment option for people who are unable to take Paxlovid or, if hospitalized, Veklury (remdesivir), both of which are FDA-approved.

Merck says it offers a 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, says Jennifer Kates, senior vice president and director of the Global Health & HIV Policy Program at KFF​, since Paxlovid and Lagevrio will “be subject to the regular cost-sharing policies” of your health plan.

That’s because “federal law does not require commercial plans to cover all possible COVID-19 treatments or put any limits on patient cost-sharing for any commercial plans if the treatments are covered,” according to HHS.

Pfizer has 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.iassist.com or call 877-219-7225. (Your doctor may also have copay cards to distribute, so it’s always a good idea to check with your provider first.) Similar to the government-backed patient assistance program, patients who enroll in Pfizer’s copay program can take advantage of it more than once over the course of the year. 

HHS said in a 2023 announcement that it expects there to be commercial coverage for Lagevrio as well. It’s priced at $950 for a treatment course. 

If you don't have insurance

You shouldn’t have to pay out of pocket for treatment in the next few years if you’re uninsured. Paxlovid will remain free for people without health insurance through 2028, and beginning in 2025, it will be free for people who are underinsured, also through 2028, according to an October 2023 HHS news release.

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.

Hoops, hiccups a concern for patients 

It’s not unusual for drug coverage transitions to come with a few glitches. But any wrinkles are a worry when it comes to COVID-19 treatments, health experts say, since timely access to the antivirals is key.

The medications work best when started right away — within five days of the onset of symptoms. Any delays due to cumbersome copay programs or confusion over coverage could risk a person’s ability to benefit from the treatment, Kates says.

“If it creates any holdups or backups, which does happen in the health care system, that could mean the difference between being able to access this medication that is highly important for some people, and not getting it,” Kates says.

Schaffner adds, “The more elaborate the process is to get access to the medication, the more difficult it will be for people.”

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.

Though trends have drastically improved since pandemic peaks, the rate of hospitalizations and deaths among older adults continues to tower over younger age groups.

“COVID is still a problem,” says Mariana Socal, M.D., associate scientist in the Department of Health Policy and Management at the Johns Hopkins Bloomberg School of Public Health, “especially for the most clinically vulnerable individuals.” 

Experts urge patients to be proactive 

Talk to your health care provider about whether you’re a good candidate for Paxlovid or Lagevrio, should you come down with COVID-19, Socal says. And you don’t need to wait for a positive test to start that conversation, says Jodie Guest, a professor and senior vice chair in the department of epidemiology at Emory University’s Rollins School of Public Health. If you’ve had an exposure and are at high risk for a severe case of COVID-19, reach out and get the discussion going, Guest says.

Make sure you have COVID-19 tests on hand, Socal adds, so if you experience symptoms you can quickly test yourself for the virus, and if positive, pursue prescription treatment. 

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.