How to get free COVID-19 tests through insurance

Pwant to meet up with your loved ones during the holidays? Here is a timely reminder that each member of your family registered for health insurance is entitled to eight fast free at home COVID-19 tests every month. This goes for whatever insurance you have, whether through health insurancethe Affordable Care Act market, Medicaid, or your employer, as reimbursement for rapid tests is still required by the federal government.

There are two main ways to purchase these tests. The first is to pick them up at a pharmacy or store that your plan designates as “in-network.” If you’re on Medicare, there’s also a partial list of pharmacies that offer over-the-counter testing. here. In many cases, the advantage is that you won’t have to pay for the tests; they will be immediately covered. Some pharmacies, including Walgreens and SVC, also offer online programs where you can locate tests, enter your insurance information, and then collect it in person. However, insurance companies sometimes require people to buy the tests themselves and then ask for reimbursement.

However, insurance companies sometimes require people to buy the tests themselves – online, at a pharmacy or from other retailers – and then ask for reimbursement. Your plan should reimburse you up to $12 per test (or $24 for a box of two). Before you buy, you should check your individual insurer’s reimbursement requirements and plan to keep your receipt. There are certain contexts in which insurers are not required to reimburse for testing. For example, they are not legally required to pay for ongoing tests required by an employer as a condition of employment.

At this stage of the pandemic, rapid home COVID-19 tests are essential tools. experts recommend take them before you get together with other people, especially if they are at high risk of serious illness (including those over 65) or if they are not up to date on their vaccinations. You should also get tested any time you have symptoms of COVID-19, such as a fever, sore throat, or runny nose, or after coming into contact with someone who has had COVID-19 during of the last five days.

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