COVID-19 testing FAQs - Hero Image

COVID-19 testing FAQs

COVID-19 over-the-counter (OTC) at home testing

On January 10, 2022, the Departments of Labor, Treasury and Health and Human Services released guidance to support the Administration’s directive that health insurers and group health plans cover the cost of FDA-authorized or approved over-the-counter (OTC) at-home COVID-19 tests purchased on or after January 15, 2022.

Over-the-counter (OTC) Test Reimbursement Form

What are the highlights of the at-home COVID-19 test purchased on or after January 15, 2022?

Member specific coverage

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.
  • 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.

General questions

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. 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:

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 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.

For all additional questions, contact Surest Help at 866-683-6440.