Learn about at-home testing reimbursements

Oscar member

Where can I obtain at-home COVID-19 tests?

If you go to the pharmacy counter, you may be able to present your member ID and ask them to bill your insurance just like you would a medication at no cost to you. Please note that many pharmacies are still working to set up this process and may require that you pay out of pocket for now. If that happens please see below for how to get reimbursed.Additionally, you are able to order up to 4 tests for free directly from the federal government via this site: https://www.covidtests.gov/ You can obtain a test through our network of pharmacies. Find one near you.

I paid for my at-home tests out of pocket. How do I get reimbursed?

Don’t sweat – if you purchased the tests on or after January 15, 2022, you’ll still be able to get reimbursed. Just follow the steps below:(Note: If you’re a Cigna + Oscar or Cigna Administered by Oscar small group member, we’ll share more info soon about how you’ll be reimbursed. You won’t be reimbursed if you follow the process below.) 
  1. Please visit Caremark.com and sign in or register. Be sure to have your member ID available if you haven’t previously created an account with Caremark. (You can always access your member ID number through your online account here)
  2. Select “Plan & benefits”
  3. Select “Submit a prescription claim” and follow the prompts listed there

What are the requirements for reimbursement?

  • Your tests must be purchased on or after January 15, 2022. 
  • Your tests must be FDA authorized.
  • You must be an active member enrolled in individually purchased health care or on a small group plan. Reimbursement doesn’t apply to Medicare Advantage plans.
  • You will be reimbursed for up to 8 tests (not 8 test kits) per member per 30 day period. Ideally, the receipt should only include the purchase of tests and no other items (i.e. a receipt that includes only the at-home COVID test(s) purchased and not other non-reimbursable purchases) is preferred as it will allow us to process your request more quickly.

Reimbursement guidelines: 

FDA Authorized OTC COVID self-tests will be reimbursed and include the following.
  • Abbott BinaxNOW 
  • SD Biosensor COVID At Home Test
  • Siemens’s CLINITEST Self Test
  • iHealth COVID-19 Self Test
  • Access Bio’s CareStart Self Test
  • BD Veritor At-Home Test
  • InBios SCov-2 Detect Self Test
  • OraSure InteliSwab Rapid Test
  • Cellitrion DiaTrust Home Test
  • QuickVue At Home Test
  • ACON Flowflex Home Test
  • Ellume Home Test
  • Detect COVID-19 Test
  • Lucira Check-it COVID-19 Test
  • Cue Covid-19 at home test