President Biden and Administration Requiring Insurance To Cover Covid-19 Test Costs

 

Biden-Harris Administration Requires Insurance Companies and Group Health Plans to Cover the Cost of At-Home COVID-19 Tests, Increasing Access to Free Tests



As part of its ongoing efforts across many channels to expand Americans’ access to free testing, the Biden-Harris Administration is requiring insurance companies and group health plans to cover the cost of over-the-counter, at-home COVID-19 tests, so people with private health coverage can get them for free starting January 15th.  

Beginning January 15, 2022, individuals with private health insurance coverage or covered by a group health plan who purchase an over-the-counter COVID-19 diagnostic test authorized, cleared, or approved by the FDA will be able to have those test costs covered by their plan or insurance. Insurance companies and health plans are required to cover 8 free over-the-counter at-home tests per covered individual per month. That means a family of four, all on the same plan, would be able to get up to 32 of these tests covered by their health plan per month. 

As part of the requirement, the Administration is incentivizing agents and group health plans to set up programs that allow people to get the over-the-counter tests directly through preferred pharmacies, retailers or other entities with no out-of-pocket costs.  Agents and plans would cover the costs upfront, eliminating the need for consumers to submit a claim for reimbursement. When plans and agents make tests available for upfront coverage through preferred pharmacies or retailers, they are still required to reimburse tests purchased by consumers outside of that network, at a rate of up to $12 per individual test. Consumers can find out more information from their plan about how their plan or agent will cover over-the-counter tests.

This effort is in addition to a number of actions the Biden Administration is taking to expand access to testing for all Americans. The U.S. Department of Health and Human Services is providing up to 50 million free, at-home tests to community health centers and Medicare-certified health clinics for distribution at no cost to patients and community members. The program is intended to ensure COVID-19 tests are made available to people in need of testing. HHS also has established more than 10,000 free community-based pharmacy testing sites around the country.  In response of the Omicron surge, HHS and FEMA are creating surge testing sites in states across the nation.  

Visit Agility Insurance Services to see agencies that you can get contracted with! 

Popular posts from this blog

Oscar Health 2022 Bonus Program

Bright HealthCare 2022 Early Bonus Blitz Program

HealthSherpa: Multiple Enrollment Groups (Split Policies)