Are Covid Tests Covered By Insurance

- Advertisement -

Covid Tests Will Be Covered By Insurance Finding Them Is Still An Issue

At-Home COVID-19 test kits will soon be covered by your Insurance
  • Order Reprints
  • Print Article

A medical worker shows the process for rapid coronavirus testing on the new Abbott ID Now machine at a ProHEALTH center in Brooklyn on August 27, 2020, in New York City.

The cost of rapid at-home tests for Covid-19 will be covered by insurance starting on Saturday, but that wont make them any easier to find.

The highly sought-after test kits have been scarce at pharmacies and drug stores around the country amid a record-setting national surge in coronavirus cases. On Monday, the White House said private insurers will cover the costs of rapid at-home antigen tests as part of a push to make testing easier and more accessible.


Not Sure If Its Covid Book A Covid Test Near You

The views expressed by authors and contributors of such content are not endorsed or approved by Solv Health and are intended for informational purposes only. The content is reviewed by Solv Health only to confirm educational value and reader interest. You are encouraged to discuss any questions that you may have about your health with your healthcare provider.

Becky Wood is a freelance writer specializing in healthcare, the sciences, and mental wellness. With experience at NASA, Oracle, and Solv Health, she loves translating technical concepts into scroll-stopping stories. When shes not polishing paragraphs, you’ll find her leading wilderness backpacking trips around the west.

Dr. Rob Rohatsch currently serves as Chief Medical Officer for Solv Health, a healthcare technology company that was founded to transform healthcare by shifting the power back to patients, where it belongs. Solv has established a national network of providers to make same-day or next-day healthcare accessible to anyone, both in-person and virtually. Today, 100 million Americans live within five miles of a same-day bookable appointment with a Solv provider.

Prior to Solv, Dr. Rohatsch served as CEO for Banner Health System Urgent Care platform and oversaw its growth from two sites to 54 through a strategic combination of de novo and M& A serving over 700,000 patients per year.

If I Need To Get Tested For Travel Is That Covered

Domestic travel

For most members, screening tests for domestic travel are covered. Members with self-funded and Medicare Advantage plans may have to pay out-of-pocket. If you purchase a home test kit, you must have a provider order for it to be covered.

International travel

Coverage for COVID-19 testing outside of the United States depends on your plan benefits and the reason for testing. For some plans, only emergency and urgent care are covered outside of the United States. COVID-19 testing for routine travel does not qualify as urgent or emergency care. However, if you fall ill with COVID-19 symptoms while traveling internationally, testing and treatment may be covered if proper documentation is submitted. Please check your Evidence of Coverage or plan policy documents to find out what is covered when traveling internationally.

COVID-19 testing and vaccination requirements vary worldwide. We highly recommend you review the host countrys COVID-19 requirements before you travel to or within that country.

Recommended Reading: How Much Does A Rapid Test Cost At Cvs

What Kinds Of Health Plans Might Not Cover Testing

Health plans that arent considered minimum essential coverage are not required to cover COVID-19 testing under the federal rules. This includes short-term health plans, fixed indemnity plans, and healthcare sharing ministry plans. It also includes the Farm Bureau plans in Tennessee, Iowa, Indiana, and Kansas which are not considered health insurance and are specifically exempt from insurance regulations. But some of these plans are voluntarily covering COVID-19 testing and telehealth, so the specifics depend on the plan.

States have the power to regulate short-term health plans, and Washington, for example, extended its testing coverage requirements to include short-term health plans. . But in most states, most plans that arent minimum essential coverage are not required to cover COVID-19 testing.

Rapid Test Kit Price Rises At Walmart And Kroger After Agreement Expires

Medicare and coronavirus testing: Coverage, costs and more

Prices for a popular at-home rapid COVID test rose at two major retailers after an agreement with the White House to cut prices expired, according to news reports. The Biden administration had a deal with Walmart, Amazon, and Kroger to sell the BinaxNOW rapid test at cost without making a profit for 3 months, starting in September. The discount was as much as 35% off. The cost to consumers was $14.

The agreement ended in mid-December, NBC News reported. This week, the BinaxNOW kit has increased nearly $5 to $19.88 on Walmarts website. This list price is $23.99 on Krogers website. But the kit is sold out on both sites and not available on as of January 5.

Also Check: How Much For Covid Test At Cvs

Ask About What’s Covered

“The first step is determining your plan’s current coverage for the specific test you want,” Banculli says. “You can ask your insurance plan questions: What is my coverage for COVID testing? Do you cover rapid tests, PCR tests, and antibody tests? Do you cover these whether they are done with an in-network or an out of network provider or laboratory? Do you cover at-home testing kits that are not ordered by a medical professional?”

If your plan says that it will cover tests at 100%, then there should be no cost to you to get it. To ensure that your healthcare provider orders the test correctly, ask them which code they are using.

Medical Coding for Beginners

Coding drives modern medical billing, including COVID-19 testing. If you’re not a medical professional, knowing the billing codes can seem like a herculean task but there are websites out there that can help. offers an entire section on COVID-19 codes that help you know what to ask for when searching for the right test at the right price–free.

People With Private Insurance Can Get Covered Or Reimbursed For Test Kits

Does insurance cover covid testing aetna. In the majority of cases, insurance companies are federally mandated to cover all costs associated with coronavirus testing. To avoid fees, make sure that you know what you’re being charged for beforehand, understand healthcare billing codes, and check that nothing else is piggybacked on your testing appointment.

Also Check: How Much Are Cvs Covid Tests

Does Your Health Insurance Cover You For Covid

Although most Americans diagnosed with COVID-19 are able to recover at home, treatment for the roughly 15% of patients who require hospitalization can be exorbitantly expensive. And while many insurers are helping people pay for coronavirus-related costs, figuring exactly what is covered and what isn’t can be confusing.

Here’s what you can expect from your health insurer if you need testing or treatment stemming from the virus.

Home Covid Tests To Be Covered By Insurers Starting Saturday

At-Home COVID Tests: How To Know What’s Covered By Your Health Insurance

Starting Saturday, private health insurers will be required to cover up to eight home COVID-19 tests per month for those on their plans

WASHINGTON — Starting Saturday, private health insurers will be required to cover up to eight home COVID-19 tests per month for people on their plans. The Biden administration announced the change Monday as it looks to lower costs and make testing for the virus more convenient amid rising frustrations.

Under the new policy, first detailed to the AP, Americans will be able to either purchase home testing kits for free under their insurance or submit receipts for the tests for reimbursement, up to the monthly per-person limit. A family of four, for instance, could be reimbursed for up to 32 tests per month. PCR tests and rapid tests ordered or administered by a health provider will continue to be fully covered by insurance with no limit.

President Joe Biden faced criticism over the holiday season for a shortage of at-home rapid tests as Americans traveled to see family amid the surge in cases from the more transmissible omicron variant. Now the administration is working to make COVID-19 home tests more accessible, both by increasing supply and bringing down costs.

Later this month, the federal government will launch a website to begin making 500 million at-home COVID-19 tests available via mail. The administration also is scaling up emergency rapid-testing sites in areas experiencing the greatest surges in cases.

Recommended Reading: How Long Does The Cvs Rapid Test Take

What If I Don’t Have Private Health Insurance

The federal government will be providing up to 50 million free, at-home tests to community centers and Medicare-certified health clinics. You should be able to find one of these centers at your state or local health agency’s website.

What’s more, the Biden administration has purchased more than 500 million over-the-counter tests that are available to all Americans by home-delivery that they can request on a website. Each household can currently order four tests.

New Rules For Hsas And Fsas

If you have a health savings account or flexible spending account associated with a high-deductible health care plan that allows you to pay for qualified medical expenses with pretax dollars, you now have more flexibility.

Under the CARES Act, qualified medical expenses were extended to include over-the-counter medicines, feminine hygiene products and telemedicine visits, including virtual mental health appointments.

The telemedicine provision is especially important, said Shobin Uralil, co-founder of HSA provider Lively. At a time when people aren’t venturing out to go to the doctor, virtual appointments are taking over, he said.

Also Check: Covid Test Cost Cvs

Some States Work To Ensure Covid

Some states stepped up early in the pandemic and issued guidance requiring state-regulated insurers to cover treatment with no cost-sharing, and others have strongly encouraged insurers to do so . In addition, several states are requiring telehealth treatment with no cost-sharing. But for the most part, people who need extensive treatment for COVID-19 are going to have to meet their health plans deductible and likely the out-of-pocket maximum, unless the insurer has agreed to waive these costs.

Many states are encouraging or requiring state-regulated insurers to treat COVID-19 testing and treatment as in-network, regardless of whether the medical providers are in the plans network. And federal rules require this for the vaccine as well, with the cost fully covered regardless of whether the member gets the vaccine from an in-network or out-of-network provider. For vaccine administration, providers are generally not allowed to seek any payment from the patient, including via balance billing. But for COVID-19 testing and treatment provided by out-of-network medical providers, patients could still be subject to balance billing in some circumstances as the out-of-network provider doesnt have to accept the insurance companys payment as payment-in-full if its less than the billed amount.

Using Fsa Or Hsa Funds To Buy At

Does Medicare Cover COVID Testing?

If you have a medical flexible spending account or a health savings account , you can use the money in the account to purchase at-home COVID tests. This means youll be using pretax money to buy the test kits.

FSAs have a use it or lose it rule, which generally means you have to use up the money in the account by the end of each year. Your employer might allow you a grace period to spend the remaining funds in the early part of the coming year or might allow you to carry over some of the unused funds to the coming year.

So if you have FSA funds that are going to expire at the end of the year or early next year, you can use the money to purchase at-home COVID test kits. You can keep them on hand to use before or after social gatherings, helping to ensure that you dont inadvertently transmit COVID to someone else.

HSA funds do not expireyou can roll them over from one year to the next for as long as you like. So if you have an HSA, there is no need to use up your money by the end of the year. But if you do want to purchase at-home COVID tests and have money available in your HSA, you can use that pretax money to buy the test kits.

Depending on how your FSA or HSA is structured, you might have a debit card that withdraws the money when you buy the test kits otherwise, you might have to submit a receipt for reimbursement. With an HSA, you may have the option to withdraw the funds yourself and keep your receipt in case youre asked for proof of the expense at a later date.

Also Check: How Much Is The Pcr Test At Cvs

Office Visits And Treatment

Your doctor will help guide your care. If you test positive for COVID-19, follow up with your doctors office so they can plan next steps. If you start to feel worse, let your doctor know. Telehealth is a convenient way to get medical care without leaving home.

Your health plan also covers emergency and inpatient hospital care for COVID-19 at your regular benefit level.. Seek emergency medical care immediately if you have:

  • Trouble breathing
  • Inability or difficulty waking or staying awake
  • Bluish lips or face

For those times when you cant get in to see your doctor and its not an emergency, you can visit an in-network urgent care center. They offer primary care services and the wait time can be much shorter than an ER visit. And they can let you know if you need emergency care.

Biden Administration Announces Private Insurers Will Reimburse For At

As many as 150 million Americans who buy rapid COVID-19 tests for home use could apply to their private insurers for reimbursement starting in January, President Biden announced.

The announcement raised more questions than it answered. The move comes in an effort to help control the expected COVID case surge from the omicron variant, newly identified in the U.S. Scientists are scrambling to understand more about the omicron variant. First identified in South Africa, it may be more contagious than the delta variant, which is the dominant strain in the U.S. Use of rapid tests may help prevent and control the spread of COVID-19.

In a December 1 statement, the administration characterized the arrival of omicron on American soil as a cause for continued vigilance, not panic.

Recommended Reading: How Much Is The Rapid Test At Cvs

How Much Will Patients Pay For Covid

Since the passage of the Families First Coronavirus Response Act on March 18, most people should not face costs for the COVID-19 test or associated costs. Starting on March 18 and lasting for the duration of the public health emergency, all forms of public and private insurance, including self-funded plans, must now cover FDA-approved COVID-19 tests and costs associated with diagnostic testing with no cost-sharing, as long as the test is deemed medically appropriate by an attending health care provider. This includes high-deductible health plans and grandfathered plans, but does not apply to short-term, limited duration plans. As outlined by CMS in a series of FAQs, there is no limit on the number of COVID-19 tests that an insurer or plan is required to cover for an individual, as long as each test is deemed medically appropriate and the individual has signs or symptoms of COVID-19 or has had known or suspected recent exposure to SARS-CoV-2. Federal guidance does not require coverage of routine tests that employers or other institutions may require for screening purposes as workplaces reopen.

Medicare, Medicaid, and private plans also must cover serology tests that can determine whether an individual has been infected with SARS-CoV-2, the virus that causes COVID-19, and developed antibodies to the virus.

How Does It Work

Private Insurance Now Covers At-Home COVID-19 Testing

It varies by insurer.

Depending on your provider, you’ll either be able to get the tests at no upfront cost or you’ll need to lay out for them and then file for reimbursement. In a recent review of policy plans, the Kaiser Family Foundation found that about half of insurers are allowing for “direct coverage,” and half are requiring their enrollees to go through the reimbursement process.

You should call your insurer or look on their website to find out your options.

If you can get an over-the-counter test without paying for the cost, your insurer will likely have a list of preferred retailers where you can do so. For example, United Health Care’s spots include Walmart and Sam’s Club.

More from Personal Finance:Retirees need to keep this much cash, advisors say

If you’re going the reimbursement route, make sure you hold on to your receipt, said Caitlin Donovan, a spokesperson for the Patient Advocate Foundation

“Your normal receipt should be fine â I’ve even printed out receipts from Amazon â and then you would have to send it in,” said Donovan.

Many insurers are currently requiring the reimbursement forms be mailed to them. Other options include fax and online submission. Some insurers are requiring enrollees to submit product barcode information, as well as your receipt, Dawson said.

Keep in mind at-home Covid tests are also an eligible expense for flexible savings accounts and health savings accounts.

Also Check: How Much Is A Pcr Test At Cvs

Do Medicaid And Medicare Cover The Cost Of At

Medicare was not initially included in the White House’s insurance mandate for COVID tests. But the Centers for Medicare and Medicaid Services announced Feb. 3 that Medicare, which provides coverage to almost 63 million Americans, will start paying for eight home COVID tests a month in the early spring. People with Medicare who also have private health insurance can receive reimbursement from their carrier now.

This is the first time that Medicare has covered an over-the-counter test at no cost to beneficiaries, according to the CMS, but members will still need to buy their tests at a participating pharmacy or retailer.

Medicaid already covers 100% of the cost of home COVID tests, as does the Children’s Health Insurance Program.

Hot Topics

Related Articles