Americans with health insurance can get up to eight COVID-19 tests at home for free because of the new requirement.
As of Saturday, private health plans will be required to cover over-the-counter tests of up to $ 12 per test. Consumers can purchase test kits for free or submit receipts for payment from the insurance company.
According to the plan, a family of five can pay for up to 40 tests per month. PCR tests and rapid tests ordered or performed by a healthcare provider are fully covered by insurance without any restrictions.
President Joe Biden announced a federal requirement for insurance companies in December, and officials said Monday that it will begin on January 15th.
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Health and Human Services Secretary Javier Becerra said in a statement on Monday: “All of this is part of our overall strategy to expand access to free, easy-to-use tests at home.” “By requiring people to have their own health care plans checked at home, we are further expanding the ability of Americans to take free tests when needed.”
The administration is trying to encourage private insurers to cover the tests in advance and without a heavy indemnity process.
Health insurance industry groups said insurers would follow the administration’s order, but warned consumers it would not be as easy as replacing the key.
Health Care Service Corporation, or HCSC, an independent licensee of the Blue Cross Blue Shield Association, said that if a member uses a pharmacy in its pharmacy profit manager Prime network, “they don’t have to file a separate claim for compensation.”
Aetna will update its website on Friday with frequently asked new questions about the new demand. He said more information on how site members can sue will be available soon.
Biden’s free COVID test plan
The Biden administration will launch a website where Americans can order free COVID-19 tests on Wednesday, January 19th.
The official, who told reporters last month that tests will be sent home in seven to 12 days as part of last month’s administration’s purchase of 500 million tests to help prevent a record increase in infections.
Biden announced earlier this week that the administration would double its order by purchasing an additional 500 million COVID-19 tests at home, leading to a lack of tests across the country and long queues at test sites and overcrowded hospitals. came
►COVID test site:The Biden administration will launch a website on Wednesday for 500 million free COVID-19 test kits
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How can I get a free COVID-19 test at home with insurance?
As of January 15, the government’s most frequently asked questions are that “most people with a health plan are allowed to buy an over-the-counter COVID-19 diagnostic test at home, either online or at a pharmacy or store, as permitted by the U.S. The Food and Drug Administration (FDA) has no fees, either through insurance payments or free of charge.
How much is the compensation for the COVID test at home?
Insurance companies must cover the cost of the test if it is up to $ 12 or less than $ 12 for each individual test. If the cost of the test is more than $ 12 each, the consumer must pay the difference.
Can I get compensation for previous COVID test purchases?
Most likely, no. This will vary depending on the insurance, but plans and issuers are not required by federal law to “provide such coverage for home-purchased COVID-19 tests until January 15,” the government said, asking frequently asked questions. ‘invites herders to link to health plans. ask about compensation for previous test purchases. Some states already require coverage of home tests.
What about COVID tests at test sites? Will they remain open?
Under previous legislation passed by Congress to combat the pandemic, insurers are required to pay for test sites and coronavirus tests conducted at medical facilities that cost $ 100 or more. Home tests are cheaper, which consumers can buy without a prescription in retail stores or online.
How long does it take to get the test fees?
“Health plans are encouraged to ensure prompt coverage of claims for home-based tests, and consumers can make claims directly from their plans. they can learn how the process works and ask questions about payment deadlines, ”the government FAQ said.
Does Medicare pay for home COVID tests?
Americans at Medicare cannot take tests at home through a federal insurance plan, but some Medicare Advantage plans may cover and pay for over-the-counter COVID-19 tests. Check with your Advantage Plan to find out if the Medicare website covers and pays for the tests.
Do Medicaid and other government plans cover tests?
As part of the U.S. Recovery Plan, the State Program on Medicaid and Child Health Insurance (CHIP) is required to cover COVID-19 tests at home approved by the FDA. Coverage rules may vary by state, the federal government said.
Can the uninsured take free tests?
Those who are not on a covered insurance plan can get free tests through a prospective federal website or some local community centers and pharmacies.
How can I order free COVID tests from the government?
“Every home in the U.S. will soon be able to order 4 free COVID-19 tests. The tests will be absolutely free – there are no delivery costs and you do not have to enter a credit card number, ”the government website said.
What is the website to order free COVID tests?
Website for ordering free COVID tests – Covidtests.gov.
Contribution:; Courtney Subramanian, Mauren Groppe and Ken Alltucker,
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