ARE YOU AN APWU BARGAINING UNIT EMPLOYEE?

COVID-19 at-home tests are covered 100% for Consumer Driven Option members

Find answers to your questions about coverage for COVID-19 over-the-counter (OTC) tests.

Effective January 15, 2022

An At-Home OTC test is a rapid antigen test that offers a quick and easy way to screen for COVID-19 at home.

The APWU Health Plan and UnitedHealthcare are covering those tests approved, cleared, or authorized by the FDA for use at home. Look for “FDA Emergency Use Authorization (EUA)” marked on the box.

COVID-19 At-Home OTC tests are NOT covered for routine testing related to employment. CDHP members may be required to sign and attest that the purchase of the OTC is not for employment purposes.

CDHP members will be able to obtain an at-home COVID-19 test at one of the preferred retailers through OptumRx with no upfront cost. In order for the purchase to be completed with no upfront cost, the OTC test must be purchased at the pharmacy counter of one of the preferred retailers.

Please note that if a CDHP member purchases an at-home COVID-19 test at any in-store or online retailer other than the pharmacy counter at one of the preferred retailers, they may also submit purchase receipt(s) for reimbursement at the CDHP member portal for a maximum reimbursement of $12 per test.

Online or in-store purchases completed on or after 1/15/2022 will be eligible for reimbursement.

To submit the reimbursement request online, follow these steps:

  1. Go to UnitedHealthcare
  2. Sign in to the member portal
  3. Select “Learn More”
  4. On the COVID-19 Resource Page, select “Start Reimbursement”
  5. Select “Start Request”

Members can also call the number on the back of their ID card and if requested, a customer advocate will mail them a form.

CDHP members do not need to obtain prior authorization or doctor’s orders to obtain a test.

Note: Many COVID-19 tests are sold as a two-pack. The two-pack test pack would be reimbursed at $24 ($12 for each individual test).

For CDHP members, the initial preferred OTC retailers for at-home COVID-19 tests are Walmart Pharmacy, Rite Aid Pharmacy, Bartell Drugs and Sam’s Club. Additional preferred retailers are expected to be added soon.

For the most current listing of preferred retailers, please visit the following link:

Preferred Retailers | UnitedHealthcare (uhc.com)

CDHP members may also purchase an FDA approved or authorized (EUA) at-home COVID-19 test at any in-store or online retailer other than one of the Preferred Retailers. This option will require the member to pay upfront. However, they may submit purchase receipt(s) with a purchase date of 1/15/2022 or after for reimbursement at the CDHP member portal for a maximum reimbursement of $12 per test.

*When purchased at the pharmacy counter at one of the preferred retailers

The following COVID-19 At-Home OTC Tests are covered at 100% (no member cost share1):

  • BD Veritor At-Home COVID-19 Test
  • BinaxNOW COVID-19 Ag Card Home Test
    • UPC: 11877001140
  • BinaxNOW COVID-19 Antigen Self-Test
    • UPC: 11877001140
  • CareStart COVID-19 Antigen Home Test
  • Celltrion DiaTrust COVID-19 Ag Home Test
  • CLINITEST Rapid COVID-19 Antigen Self-Test
  • Ellume COVID-19 Home Test
    • UPC: 56964000000
  • Flowflex COVID-19 Antigen Home Test
    • UPC: 82607066026
    • UPC: 82607066027
    • UPC: 82607066028
    • UPC: 82607066047
  • GoToKnow COVID-19 Antigen Rapid Test
  • iHealth COVID-19 Antigen Rapid
  • INDICAID COVID-19 Rapid Antigen At-Home Test
  • InteliSwab COVID-19 Rapid Test
    • UPC: 08337000158
  • InteliSwab COVID-19 Rapid Test Rx
    • UPC: 08337000158
  • MaximBio ClearDetect COVID-19 Antigen Home Test
  • OHC COVID-19 Antigen Self Test
  • On/Go COVID-19 Antigen Self-Test
    • UPC: 860006191665
  • On/Go One COVID-19 Antigen Self-Test
    • UPC: 860007930409
  • Pilot COVID-19 At-Home Test
  • QuickVue At-Home COVID-19 Test
    • UPC: 14613033967
    • UPC: 14613033968
    • UPC: 14613033972
  • QuickVue At-Home OTC COVID-19 Test
    • UPC: 14613033967
    • UPC: 14613033968
    • UPC: 14613033972
  • Rapid SARS-CoV-2 Antigen Test Card
  • SCoV-2 Ag Detect Rapid Self-Test
*List is subject to change. 1There is no member share if the At-Home test is purchased through the pharmacy counter of one of the preferred retailers. If purchased at a non-preferred retailer or online, the maximum reimbursement is $12 per test.

CDHP members are covered for up to 8 tests per covered family member per month.


Visit Self-Testing | CDC and U.S. Food and Drug Administration (fda.gov) for more information.