Coverage of At-Home/Over-The-Counter (OTC) COVID-19 Test Kits

Regardless of your coverage, every home in the U.S. may be eligible to order free at-⁠home COVID-⁠19 tests. Check covid.gov/tests for availability. Orders will usually ship in 7-12 days.

Commercial Coverage After May 11, 2023

The temporary provisions to waive cost sharing for COVID-19 vaccines, testing, and related services ordered by a physician or other provider, and over-the-counter (OTC) tests (eight per member per month) ended on May 11, 2023.

COVID-19 OTC at-home test kits are still covered as follows:

  • With prescription: covered under your plan pharmacy benefits at the tier 1 cost share and are limited to four tests per month unless medically necessary
  • Without a prescription: not covered

Medicaid Coverage After May 11, 2023

COVID-19 over the counter (OTC) at-home test kits will continue to be covered.

Medicare Coverage After May 11, 2023

Medicare members can order COVID-19 test kits through our partner, NationsBenefits®. OTC COVID-19 test kits are available for ordering online or by calling 1-877-438-7521 (TTY: 711), Monday through Friday, 8 a.m. to 8 p.m. Kits will be delivered within 7-10 days. Members should have their Optima Health member ID number and plan ID handy when ordering. 

Other Testing Options