COVID-19 OTC At-home Test Information

Health insurers and group health plans can now cover the cost of FDA-authorized and approved over-the-counter (OTC) at-home COVID-19 tests.

On January 10, 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 and approved over-the-counter (OTC) at-home COVID-19 tests, subject to certain criteria.

Beginning January 15, UnitedHealthcare will cover most commercial individual and group plan members’ FDA authorized and approved OTC at-home COVID-19 diagnostic tests purchased on or after this date, without a doctor’s prescription or clinical assessment. This at-home COVID-19 test coverage will include up to 8 tests per member per 30 days.

UnitedHealthcare has established a preferred retail program for its commercial, individual and group health plan members with UnitedHealthcare’s Pharmacy benefit administered by OptumRx. UnitedHealthcare’s initial preferred OTC retailer for at-home COVID-19 tests is Walmart Pharmacy where members may show their ID card, but do not have to pay an up-front cost or submit claim form for subsequent reimbursement. More preferred retailers are expected to be added soon.

When at-home COVID-19 tests are purchased at any in-store or online retailer, other than the in-store Walmart Pharmacy, members may submit their receipt(s) for reimbursement through the UnitedHealthcare member portal. UnitedHealthcare will reimburse the member a maximum of $12 per test.


The U.S. Postal Service recently announced an opportunity to order up to four tests per residential address. Orders will ship free starting in late January. CLICK HERE to order now!


Please review the COVID-19 At-Home Test FAQs, contact UHC at or reach out to the HR Help Desk at or 216.242.2886 (internal extension 19780).


**PLEASE NOTE: At-home test results are only acceptable when proctored. See the Pandemic Policy for more details or contact your local Safety Representative.

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