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If it’s not an emergency, your best option is one of the choices above, rather than going to a hospital ER for a COVID-19 test. Hospital ERs are focused ontreating those who are seriously ill and other emergencies. In a true emergency, always go to the nearest ER. 

At-home testing

For a limited time, all U.S. households can order up to four at-home COVID-19 tests from the government at covidtests.gov. These will be mailed to you at no cost. Americans are encouraged to use these at-home tests when they have symptoms of COVID-19 or planning to visit with immunocompromised or vulnerable individuals. The site also includes information on how to check if your existing FDA-authorized at-home OTC COVID-19 tests have new expanded expiration dates.

Your local pharmacy may have certain FDA-approved tests available that you take and read the results at home, with no lab or doctor involved. If you are one of our members, these at-home tests are covered under your pharmacy benefit* when you use our preferred pharmacy network, including home delivery of at-home tests ordered online through Express Scripts Pharmacy (For your prescription medications, use your regular pharmacy network). 

We will cover FDA-authorized over-the-counter diagnostic at-home tests purchased on or after Jan. 15, 2022, up to 8 tests every 30 days per person on your health plan (most tests come in kits of two). Note: This coverage does not apply to Medicare members or short-term plans. Also, at-home tests are not covered for employer-required testing. Click here for information on how Medicare members can get at-home tests at $0 cost share. 

Your pharmacy should be able to bill your insurance company. If they aren’t able to do that, just save your receipt and UPC code and submit them for reimbursement using this form. 

What if I go to a pharmacy not on the list? If you purchase a test from a pharmacy or other business who is not on the list or purchase online (other than from Express Scripts Pharmacy), you can submit a claim for reimbursement and we’ll cover up to $12 of your cost per test. Use this form to submit your reimbursement and include your receipt and UPC from the test. 

Should I Get Tested?

Testing is most important if you have been exposed to COVID-19 and have symptoms or you are older and/or have certain medical conditions, like diabetes, that can put you at increased risk for severe illness from COVID-19. 

The Florida Department of Health earlier this year issued updated guidance and recommendations to maximize the benefits of COVID-19 testing in our state.

*If you have pharmacy coverage through your employer with someone other than Prime Therapeutics, check with them to see how at-home tests are covered.