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Planning to collect with family members over the vacations? Right here’s a well timed reminder that each member of your loved ones enrolled in medical health insurance is eligible for eight free fast at-home COVID-19 exams each month. That goes for no matter insurance coverage you might have—whether or not it’s via Medicare, the Inexpensive Care Act market, Medicaid, or your employer—as a result of rapid-test reimbursement remains to be required by the federal authorities.
There are two essential methods to buy these exams. The primary is to choose them up at a pharmacy or retailer that your plan designates as “in-network.” Should you’re on Medicare, there’s additionally a partial checklist of the pharmacies providing over-the-counter exams right here. In lots of instances, the benefit is that you simply gained’t must pay for the exams; they’ll be instantly lined. Some pharmacies, together with Walgreens and CVS, additionally supply on-line applications the place you possibly can find exams, enter your insurance coverage data, after which choose them up in particular person. Nevertheless, insurance coverage corporations typically require individuals to buy exams themselves after which apply to be reimbursed.
Nevertheless, insurance coverage corporations typically require individuals to buy exams themselves—on-line, at a pharmacy, or from different retailers—after which apply to be reimbursed. Your plan is required to reimburse you as much as $12 per check (or $24 for a field of two). Earlier than shopping for, you need to examine your particular person insurer’s necessities for reimbursement—and plan to hold on to your receipt. There are some contexts during which insurers usually are not required to reimburse for testing. For instance, they don’t seem to be legally sure to pay for ongoing exams demanded by an employer as a situation of employment.
At this level within the pandemic, at-home fast COVID-19 exams are indispensable instruments. Consultants advocate taking them earlier than gathering with different individuals, particularly in the event that they’re at excessive danger of extreme illness (together with these over age 65) or usually are not up-to-date on their vaccines. You must also check each time you might have COVID-19 signs, like a fever, sore throat, or runny nostril, or after coming into contact with somebody who has had COVID-19 within the final 5 days.
Extra Should-Reads From TIME
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