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COVID-19: Testing & treatment information

Below is information about policies and procedures that Aetna®, a CVS Health® company, has implemented that focus on the health and safety of our colleagues, customers, members and patients. For more information about the virus and vaccines, please visit the CDC website dedicated to this issue.


The content below is not intended to be a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.


Coverage and authorization

The Public Health Emergency (PHE) for COVID-19 ended May 11, 2023, changing federal rules for coverage of testing, vaccinations, and treatment.


If you have coverage through your employer (plan sponsor), or an individual and family (ACA) plan, beginning May 12, 2023, most Aetna plans will cover COVID-19 diagnostic testing with standard benefit cost sharing for plans with in and out of network benefits including doctor's offices, clinics, labs and pharmacies where available. Benefit cost sharing means that you may have to pay a portion of the diagnostic testing cost, through your deductible, copay or coinsurance. Log in to your secure member website to review your specific Aetna plan and coverage information and search for local in-network providers. Select drive-thru locations including CVS Pharmacy®, Walgreens® and Rite Aid may also be available for COVID-19 diagnostic lab tests.


If you have a Medicare Advantage plan, beginning May 12, 2023, members will continue to pay $0 in-network. We will no longer cover out-of-network lab tests for members who do not have out-of-network benefits.


If you have Aetna Medicaid coverage, member cost share for diagnostic testing related to COVID-19 will be waived.

Commercial/Individual and Families (ACA):

The Public Health Emergency (PHE) for COVID-19 ended May 11, 2023, changing federal rules for coverage of testing, vaccinations, and treatment. Based on federal guidelines, Aetna private, employer-sponsored and student health commercial insurance plans covered up to eight over-the-counter (OTC) at-home COVID-19 tests per 30-day period for each person covered under your plan. This mandate was in effect until the end of the public health emergency through May 11, 2023. Log in to your member website to submit claims and check for more details unique to your plan which may vary.



COVID-19 over-the-counter tests: Will be covered if your plan includes the over-the-counter (OTC) benefit. Log in to your member website to check the details of your plan benefits in the Evidence of Coverage.

Aetna’s standard policy covers testing for infectious disease as part of the rate for the surgical procedure.  There is no separate member cost share for the infectious disease testing included in the surgical procedure rate.

In effort to expand testing capabilities, U.S. Department of Health & Human Services (DHS) authorized pharmacists to order and administer COVID-19 tests, including serology tests, that the FDA has authorized. Pharmacists, in partnership with other health care providers, are well positioned to aid COVID-19 testing expansion.

Routine testing for influenza, strep, and other respiratory infections without a COVID-19 test will be covered subject to applicable cost sharing under the member’s plan.


We’re here to support you Find out how

CDC info

Get the latest updates on every aspect of the pandemic.


Visit the CDC

State resources

Get vaccine news, testing info and updated case counts.


Find state resources

CVS Health

Access trusted resources about COVID-19, including vaccine updates.


Visit CVS Health


The information contained in this FAQ is subject to change at the discretion of Aetna 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.

Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).

Health benefits and health insurance plans contain exclusions and limitations.

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