As for the tests... i can give you my own experience as i am currently 'sort of' going thru it.
Cruised for 10 days, home on Jan 29th. Next day.. cough. My 'group' on the cruise had over 100 and over 1/3 were sick enough to go to urgent care etc. I don't go until i'm beyond sick. I know to take Amoxacillin when my lungs get too bad, vaporizer, humidifier, vicks... all the tricks. Its been 4 weeks... still hacking so bad i can't breathe, can't sleep, just generally feel like crap.
Never thinking it could be CVOD19, .... UNTIL a case shows up a mile from my house. I had already scheduled dr. appt. to get a refill on cough meds. He puts me on Levaquin.. STRONG antibiotic, lots of possible side effects. I have all the 'identifying' symptoms. Fever, Hacking cough, Severe bronchitis, very slight pneumonia sounds in one lung lower lobe. Do i need a hospital. Not in my mind. What would they do? Hydrate and antibiotics and respirator or breathing treatments. I can do all at home except if it gets back enough to need a respirator. They are NOT doing CVOD 19 tests unless you have had DIRECT contact with someone positive or are already hospitalized. They are treating with Antibiotics since the VIRAL strain creates a bacterial infection in the lungs. I am self isolating because i don't want to keep being reinfected or chance other strains of 'something'. Will i pay out of pocket (i have a 5k deductable) for a test, NO. I live alone, can work from home, and will have things delivered. I just want to feel better. Its 'almost gone away' a few times then comes right back. I'm not one to panic or stress about medical stuff. I do have a chronic issues, am considered 'senior' at 55 although i can't relate to that word. Should i be tested? probably. But our Health Dept doesn't seem to do that YET, unless you are positive you were around someone that is positive. Since they don't put out names, how are you supposed to know? They just say to stay home for 14 days. Heck, i could have carried it home from the ship WITH me and passed it along. If i'm getting the lack of answers or concern, i'm sure many others in my position are getting the same. THIS is why it will keep spreading so quickly.