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COVID-19 at-home tests are covered 100% for Medicare Advantage 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. Medicare Advantage members may be required to sign and attest that the purchase of the OTC is not for employment purposes.

Per the Federal mandate, standard Medicare Advantage Plans are not covered for this benefit. However, since the APWUHP Medicare Advantage Plan is a FEHB Plan, APWUHP Medicare Advantage Plan members are eligible for this benefit.

Medicare Advantage members may purchase an FDA approved or authorized (EUA) at-home COVID-19 test at any in-store or online retailer.

Medicare Advantage members may submit purchase receipt(s) for reimbursement via the Medicare Advantage member portal.

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

To submit the reimbursement request online, go to www.uhcretiree.com. VERY IMPORTANT: Medicare Advantage members will use the Medical “DMR” form (Direct Member Reimbursement) on the website for reimbursement of the COVID-19 At-Home OTC Test.

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

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

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.

Medicare Advantage 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.