Yes, coverage began on January 15, 2022.
Your insurer will either have a process so you can get your OTC COVID-19 tests free at the point of sale, or a process for you to get reimbursed if you pay for the tests at the point of sale. While you need to check with your insurer to understand their process, you will be able to get reimbursement for the full cost of the test if you follow your insurer’s instructions.
Contact
your insurance company. Your insurance company may have a network of preferred
sellers and may expand that network in the coming weeks. If they do not have a
network of preferred sellers, they will provide a process for you to submit
evidence of your purchase (such as a receipt and/or UPC code) and receive
reimbursement.
You may also ask a seller, such as a pharmacy, if tests are free at point of sale for your insurance. However, checking with your insurer in advance is the only way to know for sure.
Contact
your insurance company for their process. However, you should save proof of
purchase, such as your receipt and the original packaging with the UPC code.
Contact your insurance company for their process. However, you should save proof of purchase, such as your receipt and the original packaging with the UPC code.
Your
insurance company is required to cover at least 8 tests a month per person (or
32 tests per month for a family of 4).
No.
Your health insurance company is not required to cover tests used for
employment purposes.
No, you may only buy OTC COVID-19 tests for you (personally or your own family). You may not receive reimbursement from your health insurer if you are buying them to give or to sell to someone else, such as a family member with a different health insurance policy.
Yes.
A health insurance company may require you to verify that you purchased the
test for your own use (or for use by somebody on your plan), and that the test
is not for employment purposes and/or that you are not going to be reimbursed
by another source for purchasing the test.
The
federal government is purchasing OTC COVID-19 test to be made available free of
charge for individuals at community health centers and Medicare-certified
health clinics. More information is
expected to be available soon from the federal government at covidtests.gov. If you get your Medicare, Medicaid or CHIP
coverage through an insurance company, you may also contact them.