i recommend checking experimental/investigational clause(s) of your health insurance coverage to see if there is an update specific to covid-19; and if not, to understand how experimental/investigational covid-19 treatments or vaccines fit within your coverage.

For example, on first look i like this policy last reviewed 2020 April
~~
BlueCross BlueShield of North Carolina
Corporate Medical Policy
Investigational (Experimental) Services - B0005
[393 kb pdf]
https://www.bluecrossnc.com/sites//files/document/attachment/services/public/pdfs/medicalpolicy/investigational_%28experimental%29_services.pdf">https://www.bluecrossnc.com/sites//fi...

this section of the policy is the general rule, and its a fairly common approach. but considering the timelines involved with investigational treatments and vaccines vs approved “standard medical practice” and the limited availability of
formal clinical trials

i’m glad this recent update specific to covid-19 was made to the policy.

now i’ll specify that nothing in this thread constitutes expert or otherwise advice for treatment or interaction with health insurance carriers, other than a general recommendation to be familiar with your coverage as relates to potential investigational/experimental measures.