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Here's how to get your health insurance to cover COVID rapid test costs

Posted January 14, 2022 3:36 p.m. EST
Updated January 14, 2022 8:04 p.m. EST

You could potentially save hundreds of dollars per month on Covid-19 at-home rapid tests, if you follow a couple of simple steps.

Starting on Saturday, the Biden Administration is requiring health insurers to cover the cost of up to eight over-the-counter rapid tests every month, for every person who has coverage.

The goal of the program is for an individual to be able to walk into a pharmacy and walk out with a test, without money ever changing hands. However, in the early days of this program, be ready to buy a test and file a claim with your insurance for reimbursement. That means saving your receipt is a must.

Another critical point is making sure you’re buying a test from a pharmacy that is in the coverage network of your health insurance plan. If you buy a test at an out-of-network provider, your insurance may only cover $12 of the cost, and you’ll be responsible for paying the rest.

The health insurance company Aetna has a guide on their website for how to make sure you get reimbursed for your at-home COVID-19 test kit.

Tests used for employment, school or recreational purposes are not eligible for reimbursement, according to Aetna.

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