COVID-19 testing FAQs

Question:

Which OTC at-home COVID-19 tests are part of this program?

Any FDA-authorized or approved test is covered as part of the program. Typically, FDA-authorization is shown on the test packaging.

Question:

How many COVID-19 tests will be allowed per member, per month?

Each covered member is able to be reimbursed for 8 over-the-counter (OTC) COVID-19 tests every 30 days. Some test kits contain 2 tests per kit—each of those tests is counted individually toward the limit of 8 every 30 days. For example, if a covered member purchases 4 tests kits with 2 tests in each kit, that equals 8 tests for that member.

Question:

How can I purchase approved over-the-counter (OTC) at home COVID-19 test kits without any out of pocket expense or having to submit a claim?

• You may obtain an at-home COVID-19 diagnostic test at any in network pharmacy counter at no up-front cost and will not have to submit a form for reimbursement.
• Be sure to have your member ID card with you.

Direct-to-consumer: Navitus has made arrangements with select pharmacies to provide direct purchase options for $0. Shipping charges may be applicable.

Steps to accessing direct-to-consumer COVID OTC Tests through select pharmacies

• Check out Direct-to-Consumer options available through select pharmacies. Test kits are free through the following mail order pharmacies. You may be responsible for any additional shipping charges, if applicable.
  • Serve You Rx (all members): Call 800-759-3203
  • Costco Pharmacy (all members) *You do not need to be a Costco member
    • Visit www.costco.com/home-delivery
    • Select Mail Order
    • Register for a new account
    • Select: Fill New Prescription
    • Select: “My Doctor will Call or Fax. I do not have a written prescription”
    • In the Physician Info Fields:
      • Enter Physicians Name: Costco Test
      • Enter Physicians Phone: 800-111-1111
      • Enter Physician City: Seattle
      • Enter Physician State: WA
      • Enter Drug Information: COVID Tests
• From the Federal government: The Federal government has launched a national website where each household can receive a one-time shipment of four free OTC at-home Covid-19 tests shipped directly from covidtests.gov. For more information on this program go to covidtests.gov.

Question:

How can I purchase approved over-the-counter (OTC) at home COVID-19 test kits and receive reimbursement?

If a member purchases an at-home COVID-19 test from an out of network pharmacy or other retailer, they may submit their purchase receipt(s) for reimbursement to Surest for a maximum reimbursement of up to $12 per test. Many COVID-19 tests are sold as a two-pack so that means the test pack would be reimbursed at up to $24 (up to $12 for each test).

Question:

How do Surest members submit over-the-counter (OTC) at-home COVID-19 test costs for reimbursement?

The member must submit an over-the-counter (OTC) test reimbursement form and provide a receipt showing the over-the-counter (OTC) at-home COVID-19 test purchase date and cost. The maximum reimbursement is up to $12 per test. This form is also found in the Resources section of Benefits.Surest.com and at the top of this page. Members print this form, fill out the required fields, include a copy of the sales receipt, and mail it to Surest.

Question:

Can I purchase an OTC at-home COVID-19 test that costs more than $12?

Yes. If you get an FDA-authorized test at specific preferred retail pharmacies, you won’t need to pay anything out-of-pocket (please see the Coverage section above). At any other location, you may purchase an FDA-authorized test, but you will only be reimbursed at a maximum of $12 per test.

Question:

Are there state-specific differences that apply to the reimbursement of at-home over-the-counter (OTC) COVID-19 test?

Yes. In certain situations, state-based guidelines may impact coverage to plans regulated by state law. Please check with your state and plan administrator for additional detail.

Question:

Will the result of COVID-19 test have to be reported in order to receive reimbursement?

No.

Question:

What if I purchased other items with my COVID-19 tests and those items appear on my receipt?

Only the purchase of over-the-counter (OTC) at-home COVID-19 tests—at a maximum of up to $12 per test—will be reimbursed.

Question:

How will a member receive reimbursement?

Members will be reimbursed by receiving a check in the mail.

Question:

How long will it take for a member to receive reimbursement?

Typically, reimbursement is mailed within 30 days assuming all requested information is complete.

Question:

Can members submit a COVID-19 home test purchased prior to January 15?

No.

Question:

Is a physician order or clinical assessment required for reimbursement for COVID-19 home test?

No.

Question:

Can members submit a photo of a receipt?

Yes.