Coverage for Over-the-Counter At-Home COVID-19 Tests

In case you missed it, we’re reprinting this email from UMass Memorial Hospital that explains ways you can get Covid test kits at no cost.


As a caregiver covered by a UMass Memorial Health medical plan, your plan covers over-the-counter (OTC) at-home COVID-19 tests at little or no cost to you. Please review the below information detailing where to purchase these test kits and how to get reimbursed.

Note that effective February 12, 2022, OptumRx is the exclusive provider of OTC at-home COVID-19 test kits under the UMass Memorial Health medical plan. As such, effective on and after February 12, plan participants must go through OptumRx (prescription plan administrator covered through your medical plan) and not Blue Cross Blue Shield for the purchase and/or reimbursement of these test kits.

You have four options for test kit coverage:

1. Pay $0 at a preferred network pharmacy: Visit the pharmacy counter at a Kinney Drugs, Rite Aid (including Bartell Drugs), Sam’s Club, Walgreens or Walmart and present your OptumRx member ID card and ask to have your OTC at-home COVID-19 test kits submitted to your plan for coverage.

2. Order at-home COVID-19 tests online with $0 copay through the Optum Store. (Get free shipping on orders of $45+.) Sign in to optumrx.com and go to Get at-home COVID-19 tests with $0 copay. Click the Order Now link. (Smartphone users may need to scroll down to find the link.) If you’ve never signed in to the OptumRx portal, follow these step-by-step instructions.

3. Purchase a kit and then submit an online form for reimbursement: You can also purchase an OTC at-home COVID-19 test kit at other stores or online retailers. Keep your purchase receipt(s) to submit for reimbursement. Your plan will reimburse up to $12 per test. Start your online request form.

4. Purchase a kit and then print and mail in a paper reimbursement form. Your plan will reimburse up to $12 per test. Please note you will receive reimbursement more quickly if you submit an online claim form.

Which COVID-19 tests are covered?
Coverage includes OTC at-home COVID-19 test kits authorized by the Food and Drug Administration (FDA). The most common tests are brands BinaxNOW™, CLINITEST®, Flowflex™, i-Health®, InteliSwab™, On/Go™ QuickVue® and COVID-19 at-home test kits (Roche).

Is there a limit to how many tests will be covered?
Yes. Covered members can get up to eight individual tests per month (e.g., a family of four would be eligible for 32 tests a month). Members are limited to eight tests per person (or four kits/32 tests per household) per calendar month at the Optum Store.

How do I get reimbursed for OTC COVID-19 tests purchased at other stores or online retailers?
If you purchased FDA-authorized COVID-19 tests at a retail store or online retailer on or after January 15, 2022, you can be reimbursed for up to eight tests per covered member per month.
You will need copies of your purchase receipt(s). Complete one form per covered family member. To receive the quickest possible reimbursement of up to $12 per test, submit an electronic claim form. You can also print and mail in a reimbursement form.

More information
Visit optumrx.com/testinfo for the latest updates and information.

If you have any questions regarding this information, please call the Benefits Contact Center at 508-334-8511 or email the benefitscontactcenter@umassmemorial.org.