How To Get Free COVID-19 Tests

Insurance companies, Medicare, Medicaid, and CHIP Now reimburse each Person up to 8 COVID-19 Home Tests per Month!

Quick Background

COVID-19 Rapid Antigen HomeKit Tests purchased on or after January 15, 2021 can now be reimbursed by private health insurance companies as part of the Families First and the CARES Act!

On January 10, 2022, the Departments of Health and Human Services (HHS), Labor, and Treasury announced that insurers and group health plans will be required to cover and reimburse enrollees for up to eight at-home tests for COVID-19 per 30-day period. The goal of this policy is to expand access to free at-home COVID-19 tests while also increasing the supply of rapid at-home tests. This guidance is under the Families First and the CARES Act. OnPoint Testing offers rapid testing for reimbursement. 

So How Do I Get Free COVID-19 Tests?

Under this plan, people with private health insurance can be reimbursed for the cost of the over-the-counter COVID–19 diagnostic test by their health insurer. Be sure to keep your receipt and submit a claim to your insurance company for reimbursement. OnPoint Testing also offers rapid testing for reimbursement.

What Else Do I need To Know?

Insurers and plans can limit the number of COVID-19 tests to eight tests per enrollee per 30-day period, or per calendar month. Please check with your Health Insurance Provider for details on claiming your reimbursements. Below is a list of the top insurance providers and details on claiming your reimbursement. Don’t forget, OnPoint Testing offers rapid testing for reimbursement. 

Anthem Blue Cross Blue Shield 

Anthem COVID-19 Coverage Expanded to Include Over-the-Counter Kits for Diagnostic Tests. As of January 15, 2022, you can get reimbursed by your health plan for the costs of over-the-counter diagnostic COVID-19 tests until the end of the Coronavirus Public Health Emergency.


Effective January 15, 2022 and through the end of the Public Health Emergency (PHE) period, OTC tests that are approved under the FDA emergency use authorization (EUA) in vitro diagnostics  will be covered at $0 cost to the customer

United Healthcare

Recent updates to Federal guidelines may allow you to purchase COVID-19 tests at little or no cost during the national public health emergency period. Reimbursement details may vary, depending on your specific plan.


Humana is committed to complying with this requirement and covering the cost of at-home, over-the-counter (“OTC”) COVID-19 test kits for our members. As announced by the U.S. Department of Health and Human Services, as of January 15, 2022, all private insurance members are eligible to receive up to 8 at-home, OTC COVID-19 tests per calendar month at no out-of-pocket cost.


The U.S. Department of Health and Human Services is providing up to 50 million free, at-home tests to community health centers and Medicare-certified health clinics at no cost to patients. This program is intended to ensure COVID-19 tests are made available to populations in need of testing. If you are charged for your test, keep your receipt and submit a claim to your health plan for reimbursement. 

Medicaid and CHIP

Medicaid and CHIP programs are required to cover FDA-authorized at-home COVID-19 tests.  People with Medicaid or CHIP coverage should contact their state Medicaid or CHIP agency for information regarding the specifics of coverage for at-home COVID-19 tests, as coverage rules may vary by state.

Scroll to Top