Detail how insurance companies cover the cost of home COVID testing

Your insurance will now cover the cost of at-home COVID tests you buy in-store, but it may take some patience.

Home tests are always in high demand and hard to find.

“Me, my wife and my kids are getting tested to stay, to make sure we’re healthy to be with our friends, co-workers and things of that nature,” said Norwalk resident Christopher Radhay. .

Now, each month, your insurance will pay for eight tests per person – up to $12 for each test.

How it works depends on your insurer.

Based in Hartford Etna says to keep your receipt and request a refund, but Aetna’s website doesn’t even have a claim form yet. It says “Keep checking for more details.”
Cigna and ConnectiCare (scroll down to New – How do I get reimbursed if I pay out-of-pocket for an FDA-cleared, over-the-counter COVID-19 home rapid test that’s covered by my plan?) have a claim form , but you must send it by mail or fax.
As for United Healthcare, you can get a test for free at a “preferred pharmacy”, but you have to buy it at the pharmacy counter.

“You’re probably going to have to jump through a few hoops,” Connecticut health care advocate Ted Doolittle said.

Doolittle says to keep all your documents and contact them if you have any issues.

“We have a team of nurses, lawyers and paralegals who can provide free one-on-one assistance and representation,” Doolittle said.

For some customers, the process is a bit too complicated.

“If you spend $15 on a COVID test, I probably wouldn’t go through the process to get the insurance reimbursed, but it’s good to know you have that option,” said Matt Gaylord, a resident of Norwalk.

Medicare and HUSKY Medicaid do not fall under this new coverage. But if you have either, you can contact the State of Connecticut Office of the Health Care Advocate for information on free home testing.
For uninsured patients, starting Tuesday, you can now receive free COVID tests directly from the federal government. Apply here.
Finding at-home COVID tests is always a challenge right now, but the White House has done it launch a website for Americans to demand free at-home COVID-19 tests on Tuesday.
For questions about home testing coverage, Click here.

Kristan F. Talley