You're only good for your money I guess.

So I called into the call Centre to find out if my benefits cover Covid19 tests, as my Dr had recommended me for a test. Call was routed to a not so welcoming lady by the name Mmama. She tells me that I should pay cash for the test and if I'm negative I forfeit my money and if I'm positive I get a refund. I jokingly ask if they implying that I should be positive in order to get cover and refund? Her "no" was not anyhow welcoming of my frustration during these trying times.

So if I'm positve I get to get my money back... If I'm negative it's my loss?