Insurance

Your OTC COVID-19 test kits may now be eligible for reimbursement through your insurance provider. Paying zero dollars makes a lot of sense to us.

You can get reimbursed for up to 8 at-home COVID-19 tests per month for each person enrolled in your insurance plan. Each provider has a slightly different process, so select your insurance company from the list below to be taken to their dedicated reimbursement page. If your provider is not on the list, please visit their website for the most up-to-date reimbursement policies.

** The insurance company is responsible for reviewing your claim and providing reimbursement. Buy A Test Now is not responsible for processing your claim and reimbursement.**

Frequently asked questions

How do I get a free at-home over-the-counter COVID-19 test?

As of Jan 15, 2022, individuals with private health insurance coverage can submit a claim for reimbursement for FDA-authorized over-the-counter COVID-19 tests purchased online or in store.

Depending on your provider, you'll be asked to submit a receipt as proof of purchase in order to receive reimbursement. Some insurance companies will provide direct coverage, meaning your test will be free at the point of sale. If your plan has set up a network of preferred providers at which you can obtain a test with no out-of-pocket expense, you can still obtain tests from other retailers outside of that network. Read more here.

Will I have to pay for my test up front?

It depends. The government is strongly incentivizing health plans to set up a network of convenient locations across the country, such as pharmacies and retailers, where those with private health coverage can purchase over-the-counter COVID-19 tests for free, rather than having to submit claims for reimbursement. Check with your insurance provider to see if they offer such a program.

If not, make sure to hold on to your receipt so you can file a claim for reimbursement. Read More Here.

What if I already bought and paid for at-home over-the-counter COVID-19 tests? Can I still get reimbursement for those?

Health insurers are not required by law to provide reimbursement for over-the-counter COVID-19 tests purchases prior to Jan. 15, 2022. Please contact your provider directly to see if they have decided to provide reimbursement before that date. Some states may have existing requirements related to coverage of at-home over-the-counter COVID-19 tests. Read more here.

How many tests can I get reimbursed for?

Health insurance providers are required to cover up to eight over-the-counter COVID-19 tests per month per person, regardless of how they are packaged or distributed. That means a family of four can get 32 tests per month for free.

Please note that some COVID-19 test kits are sold with multiple tests per box. There is no limit to the number of COVID-19 tests, including at-home tests, providers must cover when ordered or administered by a health care provider. Learn more here.

What if I’m uninsured? Can I still get free at-home over-the-counter COVID-19 tests?

The government committed to purchasing 1 billion at-home rapid tests to distribute to the American people for free. Initial delivery has already begun. Americans can request their free tests today at COVIDtests.gov.

Additional information about testing resources for people without insurance are available here.

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