Breaking down how insurance companies are covering cost of at-home COVID tests

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

News 12 Staff

Jan 18, 2022, 10:35 PM

Updated 824 days ago


Your insurance will now cover the cost of at-home COVID tests you buy at the store, but it may require some patience.
At-home tests are still in high demand and tricky to find.
"Me and my wife and my kids, we take tests to stay, to make sure we're healthy to be around our friends, our 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 insurance carrier.
Hartford-based Aetna says save your receipt and file for reimbursement, but Aetna's website doesn't even have a claim form yet. It says "Keep checking back for details." 
Cigna and ConnectiCare (scroll down to New - How do I get reimbursed if I pay out-of-pocket for an FDA authorized, over-the-counter COVID-19 at-home, rapid test that is covered by my plan?) have a claim form, but you have to mail or fax it in.
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 probably are going to have to jump through some hoops," said Connecticut Healthcare Advocate Ted Doolittle.
Doolittle says save all your paperwork and contact them if you run into issues.
"We have a team of nurses, attorneys and paralegals who can provide free individual assistance and representation," said Doolittle.
For some customers, the process is a little too complicated.
"If you're spending 15 bucks on a COVID test, I probably wouldn't go through the process to get the insurance reimbursement, but it's great to know you have that option," said Norwalk resident Matt Gaylord.
Medicare and HUSKY Medicaid do not fall under this new coverage. But if you have either, you can contact the Connecticut State Office of Healthcare Advocate for information on getting free at-home tests.
For uninsured patients, as of Tuesday, you can now receive free COVID tests straight from the federal government. Apply here. 
Finding at-home COVID tests are still a challenge right now, but the White House did launch a website for Americans to request free at-home COVID-19 tests Tuesday.
For any questions about at-home test coverage, click here.

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