Insurance companies will begin covering the cost of at-home rapid COVID-19 tests on Jan. 15
This Saturday, COVID-19 test kits will be available for free. The White House announced Monday that insurers must reimburse the cost of eight at-home COVID-19 tests per covered individual each month. To incentivize carriers to cover the tests upfront, the mandate allows them to establish in-network pharmacies and cap coverage of out-of-network retailers at $12 per test, The Hill reports.
It also “ensures individuals do not need an order from their healthcare provider to access these tests for free,” according to a statement Monday from the Department of Health and Human Services.
The White House also plans to launch a website offering free COVID-19 tests to anyone who requests them. In addition, it’ll also be providing 5 million lab-based PCR tests for free to schools per month.
We’ll continue to update this story as we learn more details, including when the free test-kit website will launch and how it will work. Also, get the latest on mask mandates and how to choose the right booster shot for you.
As of Jan. 15, health insurance companies will be required to reimburse Americans for eight at-home antigen tests per person a month, under a plan announced by President Joe Biden. If an individual has been directed to undergo COVID testing by their medical provider, because of underlying health conditions or other factors, there is no limit on the number of tests covered.
But carriers are being encouraged to cover the cost of tests upfront at in-network pharmacies, rather than requiring members to file for reimbursement — a cumbersome process that could discourage many from purchasing tests.
“The Biden Administration’s testing guidance protects insurers against price gouging by unscrupulous retailers, but only if the insurance company provides a way for consumers to get at-home tests for free at pharmacies with no upfront payment,” Larry Levitt, a health policy expert at the Kaiser Family Foundation, tweeted on Monday.
Though the Biden plan is not retroactive, some states, including Vermont, mandated insurers to start paying for at-home kits earlier.
You may also want to check with your employer, as some private companies also began offering reimbursement options for at-home tests before the Jan. 15 deadline.
Biden’s new rules on reimbursement for at-home COVID-19 tests do not currently apply to Medicaid and Medicare, although Bloomberg Government reports test-kit producers are lobbying to change that.
People with Medicare — a free federal program for all Americans 65 and older — who also have private health insurance can receive reimbursement from their insurer.
State Medicaid and Children’s Health Insurance Program, aka CHIP, programs are currently required to cover FDA-authorized at-home COVID-19 tests without cost-sharing, according to HHS.
For those without insurance, Biden said there will be “thousands of locations” where you can pick up free COVID-19 test kits to use at home in private, rather than get swabbed in a drive-thru clinic. A website will be made available early in 2022 where anyone can order free rapid antigen kits delivered to their home.
Those who don’t have health insurance can also access free kits at community health clinics and other local sites. In a Dec. 2 announcement, the White House also promised to distribute at least 50 million free tests to community centers around the country.
At-home rapid COVID-19 tests are usually available at pharmacies like Walgreens, Walmart and CVS, and via online retailers like Amazon. The White House is allowing insurers to establish a roster of in-network pharmacies and to cap coverage of kits bought at out-of-network retailers. Check with your insurance company to see which stores are in your network.
But the rapid spread of the omicron variant has led to a test kit shortage and forced retailers to place limits on how many you can purchase in many regions: Walgreens currently allows each customer to purchase a maximum of four at-home tests, while CVS sets its limit at six. Walmart caps online purchases to eight tests but has no limit on in-store purchases.
Rapid antigen at-home tests are out of stock in stores and online in many regions: As of Jan. 12, Walmart has On/Go’s 10-minute self-test available on its website. Amazon currently has On/Go in stock at $25 for two tests and QuickVue at $24 for a box of two. We’ll continue to update as more options become available.
If your area drugstore is out of test kits, try your state or local health department, as many have started distributing free kits to residents. See the next section for more information and links to the states currently providing free at-home COVID tests.
The Biden administration is working on launching a website where anyone will be able to order test kits for free, though it has yet to make the site public. However, starting Saturday, insurance providers will be required to reimburse customers for test kits purchased.
Several states — including Washington, New Hampshire, New Jersey, Maryland, Ohio, Oregon, Massachusetts, Iowa, Connecticut and Colorado — have already started issuing free at-home COVID tests to residents.
Washington, DC, is making at-home tests available for pickup at area libraries while other cities, such as New York and Boston, are distributing them to local health clinics. We’ll continue to update this list as more start offering free COVID tests.
Massachusetts and Connecticut both recently announced ambitious plans to distribute millions of tests, but hit supply-chain snags: The hold-up in Massachusetts forced some schools to delay reopening after the holiday break, according to WCVB in Boston. After a rough start, Connecticut has picked up the pace, delivering 1.8 million tests to residents in the week ending Jan. 7, according to CT Insider.
Rapid antigen tests are generally much cheaper than home collection tests. Costs vary from brand to brand, but kits generally run about $10 to $15 apiece, with two tests per kit.
Both Walgreens and CVS are selling Abbott’s BinaxNow and Quidel’s QuickVue tests — two of the first authorized by the FDA — for $24 for a pack of two. Acon’s FlowFlex rapid test is currently $10 for one test at both Walgreens and CVS. The On/Go kit of two rapid tests is currently selling for $25 on Amazon and $30 on Walmart.
Home collection tests — which require a nasal swab or saliva sample to be sent to a lab for analysis — cost much more than the rapid antigen tests and require a much longer waiting period to get results. But the “molecular” tests are considered far more accurate than antigen tests. CVS and Walgreens are selling Labcorp’s Pixel home-collection test for $125.
The extreme shortage of kits has led some to resell them on platforms like Craigslist, eBay, Facebook, Instagram and even TikTok, often at an inflated price and with fraudulent merchandise.
“We’ve received reports that unauthorized sellers are trying to profit from the pandemic by selling COVID-19 tests online,” Washington, DC, Attorney General Karl Racine tweeted Jan 4. “Please beware and only buy tests through authorized retailers so you can ensure the integrity of your test.”
Facebook’s parent company, Meta, told CNN Business it prohibits the sale of test kits on any of its platforms.
The two main types of COVID-19 tests are rapid antigen tests and PCR (polymerase chain reaction) tests. Antigen tests can be taken at home and return results in about 10 to 15 minutes. PCR tests are more accurate but require lab work and generally don’t provide results for at least 12 hours or even up to 5 days.
Both tests typically use nasal swab samples, though some collect saliva: PCR tests administered by a professional may require a nasopharyngeal sample that involves a much deeper nostril swab. Rapid antigen tests usually require swirling a swab in the nostril less than an inch deep.
PCR tests amplify genetic material from the collected sample up to a billion times to detect even the slightest amount of COVID-19 genes, making them highly accurate. They’re also more expensive, usually costing more than $100 apiece.
Rapid antigen tests simply detect the presence of COVID-19 antigens — the substances that prompt your immune system to create antibodies — and work much like home pregnancy tests. If your sample contains COVID-19 antigens, the thin line of SARS-CoV-2 antibodies on the test strip will change color.
Because rapid tests are simply looking for the existence of antigens, they work best when someone is symptomatic. Rapid antigen tests are less successful with early infections and asymptomatic cases. The risk of a false negative is much higher with a rapid test than a false positive.
The type of test you choose will mostly depend on your situation. Do you need results right now, and are willing to risk less accuracy? Then rapid antigen fits your bill. If you want closer to 100% accuracy and don’t need instant results, the “gold standard” PCR is your best choice.
If you take an at-home test and it’s positive for COVID-19, it’s recommended that you share the results with your medical provider and local health department. Methods of reporting self-tests to health departments vary wildly, though: Some have online forms, others require email and still others use phone reporting. Check your local health department website for specific info on how to report a positive result.
After receiving a positive test result, you should isolate for at least five days — longer if you’re symptomatic — according to the Centers for Disease Control and Prevention. Though the risk of false positives from rapid tests is low, most medical experts and health officials still recommend confirming a positive at-home test with a subsequent PCR test.
For more information, here’s the latest on the federal vaccine mandate and everything you need to know about the Moderna booster shot.
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.