COVID-19 At-Home Testing Coverage Information

COVID-19 Test

Last Updated: 05/09/2022

Free COVID-19 Testing

The Biden administration has developed a program where members of the public can order free at-home rapid COVID-19 tests. Visit www.covidtests.gov for more details on how to order the tests and the most up-to-date information on federal testing programs.

There is also a federal program to distribute at-home rapid tests to community health centers and Medicare-certified health clinics. Check with your local community health centers for more information.

In addition, state and local programs are in place for residents to search for and access free COVID-19 testing, including laboratory testing sites. Visit the Massachusetts COVID-19 testing resources website for the most up to date and accurate information and reach out to your local board of health, or your city or town website, for additional information.

There are two additional ways to get over-the-counter COVID-19 tests at no cost to you. We encourage you to take advantage of the Medicare coverage first, before using your Tufts Health Plan Medicare Advantage HMO coverage. Coverage details are listed below:

1. Medicare coverage for at-home tests

As of April 4, 2022, Medicare covers up to eight over-the-counter COVID-19 tests each calendar month, at no cost. This coverage continues until the end of the COVID-19 public health emergency (PHE), and is available to anyone with Medicare Part B, including those enrolled in a Medicare Advantage plan. The tests covered under this initiative are in addition to the over-the-counter tests covered by Tufts Health Plan Medicare Advantage HMO.

You can get the Medicare-covered, over-the-counter COVID-19 tests at any pharmacy or health care provider that participates in this initiative. Just show your red, white, and blue Medicare card to get your free tests.

See a list of participating pharmacies

Get more information on Medicare coverage for at-home tests

2. Tufts Health Plan Medicare Advantage HMO coverage for at-home tests

Prior to the announcement of Medicare coverage, Tufts Health Plan Medicare Advantage HMO made the decision to provide coverage for over-the-counter, FDA-approved or Emergency Use Authorized (EUA) antigen & molecular, at-home COVID-19 tests. We are continuing this coverage in addition to the Medicare coverage. We encourage you to take advantage of the Medicare coverage by showing your red, white, and blue Medicare card at the pharmacy. If the pharmacy is not a participating pharmacy for the Medicare coverage, show your Tufts Health Plan Medicare Advantage HMO ID card. Your coverage details through Tufts Health Plan Medicare Advantage HMO are as follows:

  • Tufts Health Plan Medicare Advantage HMO plans will provide coverage for up to eight over-the-counter, at-home COVID-19 tests per member, per 30 days.
  • Coverage applies to tests that are approved by or granted Emergency Use Authorization (EUA) by the FDA and are intended for individualized diagnosis or treatment of COVID-19 (not for resale).
  • Coverage applies to eligible tests that are purchased on or after February 1, 2022, through December 31, 2022.
  • As of February 15, 2022, you are covered to purchase the tests with no upfront out-of-pocket cost at participating in-network pharmacies.
    • Tufts Medicare Preferred Prime Rx, Prime Rx Plus, Basic No Rx, Value No Rx, Prime No Rx members and members of employer group plans: Visit thpmp.org/pharmacy to search for an in-network pharmacy near you.
    • Tufts Medicare Preferred Smart Saver Rx, Saver Rx, Basic Rx, and Value Rx members: Visit thpmp.org/preferred-pharmacy to search for an in-network pharmacy near you.
  • If you purchase eligible at-home tests out-of-pocket on or after February 1, 2022, you can submit for reimbursement. Reimbursement forms can be printed here or requested from Member Services and mailed to us with copies of your receipts. Copies of your receipts are required for reimbursement. The form includes further instructions on how to submit for reimbursement.
  • You also have the option to submit for reimbursement online. If you purchased tests on or after February 15, 2022, you can submit for reimbursement directly through Caremark.com. Just log in to your account at caremark.com, click “submit at-home COVID-19 test reimbursement claim,” and upload a photo of your receipt.
  • Tests purchased through resellers (e.g., eBay, Facebook Marketplace) are not eligible for reimbursement.
  • Most reimbursement requests are processed within 60 calendar days 
  • Reimbursement requests must be received by Tufts Health Plan by March 31, 2023.
  • Taxes, shipping amd handling are not eligible for reimbursement

What types of tests are covered?

We will cover FDA Emergency Use Authorized (EUA) antigen & molecular, At-Home COVID-19 tests. The list of covered tests as of March 1, 202 are:

Antigen testing

  • BD Veritor At-Home COVID-19 Test
  • BinaxNow COVID-19 Ag Card 2 Home Test
  • BinaxNow COVID-19 Ag Card Home Test
  • BinaxNow COVID-19 Antigen Self Test
  • CareStart COVID-19 Antigen Home Test
  • CareStart Kit COVID-19
  • Celltrion Dia Trust COVID-19 AG Home Test
  • CLINITEST Rapid COVID19 Antigen Self-Test
  • COVID19 At-Home Test
  • Ellume COVID-19 Home Test
  • Flowflex COVID-19 Antigen Home Test
  • iHealth COVID-19 Antigen Rapid Test
  • InteliSwab Covid-19 Rapid Test
  • InteliSwab COVID-19 Rapid Test Rx
  • on/go COVID-19 Antigen Rapid Test
  • QuickVue At-Home COVID-19 Test
  • QuickVue At-Home OTC COVID19 Test
  • SCoV-2 Ag Detect Rapid Self-Test

Molecular testing

  • Cue Health
  • Detect
  • Lucira Health

The FDA continues to update their website with any new EUA tests here

Resources & Tools

Drug Search

Use the drug search tools to find out if your drugs are covered and which tier they fall under on your plan type.

Find a Doctor

Find a doctor within your Tufts Health Plan Medicare Preferred HMO network or your Tufts Health Plan Senior Care Options network.

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