COVID-19 At-Home Tests Now Covered By Insurance

As of January 15, 2022, a federal mandate requires most people with a health plan can go online, or to a pharmacy or store to purchase an approved at-home over-the-counter COVID-19 diagnostic test authorized by the U.S. Food and Drug Administration (FDA) at no cost, either through reimbursement or free of charge through their insurance. This applies whether you purchased your health plan on your own or whether you get health insurance through your job.

The Biden-Harris Administration is strongly incentivizing health plans and insurers to set up a network of convenient locations across the country such as pharmacies or retailers where people with private health coverage will be able to order online or walk in and pick up at-home over-the-counter COVID-19 tests for free, rather than going through the process of having to submit claims for reimbursement.

For Verizon Members, the cost of over-the-counter at-home COVID-19 test kits will be covered by our prescription insurance carrier, Express Scripts, with no out-of-pocket cost at the point of sale.

You will need your Express Script Insurance Card, which you can get on their website HERE.  After logging in, go to: Account-> Member ID Card, and download your card. You can also call Express Scripts at 877-877-1878 to request a card.

The List of FDA Approved Tests is Below:

    • iHealth COVID-19 Antigen Rapid Test
    • BD Veritor At-Home COVID-19 Test
    • BinaxNOW COVID-19 Antigen Self Test
    • InteliSwab COVID-19 Rapid Test
    • Celltrion DiaTrust COVID-19 Ag Home Test
    • QuickVue At-Home OTC COVID-19 Test
    • Flowflex COVID-19 Antigen Home Test
    • BinaxNOW COVID-19 Ag Card 2 Home Test

The mandate requires each active member to be covered for 8 tests per calendar month. Note this is stating 8 total over-the-counter Covid-19 tests per month per covered individual. For example, a box with 2 tests would count as 2 total tests. For example, a family of 4, all on the same plan, can get up to 32 tests per month.

If you need further clarification please call Express Scripts at 877-877-1878.