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At-home COVID-19 tests

Your benefits may cover at-home COVID-19 tests. To learn what your plan covers and how to get your tests, log in to your Aetna® member website.

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At-home COVID-19 tests are now covered under many plans

 

Here’s what you need to know

Have individual, student health or employer group insurance? Thanks to new federal guidelines, you and everyone covered under your plan are eligible for eight (8) at-home COVID-19 tests (also known as over-the-counter tests) per 30-day period during the public health emergency. Just keep in mind that you need to buy these tests on or after January 15, 2022 to be covered.

 

Note: This coverage isn’t available under Medicare, Medicare Supplement, or our supplemental accident, critical illness and hospital indemnity plans. If you’re a Medicaid member, check your plan to see if at-home COVID-19 tests are covered in your state.

 

If you have individual, student health or employer group health insurance, you can get at-home COVID-19 tests covered by your benefits.

 

Note: This coverage isn’t available under Medicare, Medicare Supplement, or our supplemental accident, critical illness and hospital indemnity plans. If you’re a Medicaid member, check your plan to see if at-home COVID-19 tests are covered in your state.

We’ll cover up to eight (8) COVID-19 diagnostic antigen rapid home tests per 30-day period for each person covered under your plan. For example, a family of four covered under the same plan will be reimbursed for up to 32 tests per 30-day period. 

 

Each test is counted separately, even if multiple tests are sold in a single kit. So if there are five tests in one kit, we'll cover five tests. And that counts toward your eight tests per month limit.

 

Other things to keep in mind:

  • Tests need to be approved, cleared or authorized by the U.S. Food and Drug Administration.
  • You will be reimbursed for tests purchased on January 15, 2022 or later.
  • You don’t need a doctor’s prescription for these at-home tests.
  • There's no limit for tests ordered by your doctor.
  • These tests will help you diagnose a potential COVID-19 infection and help stop its spread to your family and community. Tests used to return to work or school, or for recreational purposes, are not covered unless required by state law. Lab-based PCR at-home collection kits are also not covered.

 

Looking for more information about testing? Check out our broader testing coverage frequently asked questions.

Your coverage details for at-home COVID-19 tests vary depending on your plan benefits. To learn about your options and submit a claim for reimbursement log in to your Aetna member website.

 

If you’re a student health member, log in to your Aetna member account to get your benefit details.

You can buy at-home COVID-19 tests at pharmacies, retail locations or online. Remember to keep your receipts. Also, keep in mind that the Omicron variant has created an overwhelming demand for at-home COVID-19 tests in many areas. So supplies may be limited.

 

You can also order four free at-home COVID-19 tests from the federal government. There’s no cost for shipping. Plus, you don’t need to enter a credit card.

 
 

The information contained in this FAQ is subject to change at the discretion of CVS at any time, for any reason and without advanced notice.

Aetna will follow all federal and state mandates for insured plans, as required.

Disclaimer: Regulations regarding testing for Aetna Medicaid members vary by state and, in some cases, may change in light of the current situation. Providers are encouraged to call their provider services representative for additional information.

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Health benefits and health insurance plans contain exclusions and limitations.