Over-the-Counter (OTC) COVID-19 Test Coverage

An important note: The federal government has launched COVIDtests.gov, a website where every home in the U.S. is eligible to order at-home COVID-19 tests for free, with no cost to you or LCPS.

The program initially opened in January, allowing each household to request one order of four free COVID tests to be delivered through the U.S. Postal Service. In March, a second round of four free COVID tests was made available. Now, you can now order a third batch of free COVID tests from the program’s website, COVIDtests.gov. Unlike previous rounds, each order will now include eight rapid antigen COVID tests, coming in two separate packages of four each. Like previous rounds, these tests will be shipped for free.

Federal Mandate Covers Diagnostic Test Only

The federal government requirement for commercial health plans to cover FDA Emergency Use Authorization (EUA) designated over-the-counter (OTC) tests for diagnostic use started January 15 and continues through the Coronavirus public health emergency period, which currently extends to April 11, 2023.

What is covered?

Cigna members may receive reimbursement for up to eight OTC COVID-19 tests per covered individual per calendar month without a health care provider prescription or individualized clinical assessment.

Where can I purchase a COVID-19 test?

You can purchase COVID-19 tests from any pharmacy, retail store, or online retailer that has them available. Only FDA-authorized tests are eligible for reimbursement.

How am I reimbursed for a COVID-19 test?

At this time, OTC COVID-19 tests will be covered for Cigna members only through their Cigna medical plan. Tests will not be covered under the Express Scripts prescription drug plan.

If you decide to purchase an at-home COVID-19 test, you must do the following to receive reimbursement from Cigna:

When should I take a COVID-19 test?

Please see the FDA website or consult with your physician concerning when you should take a COVID-19 test.

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Over-the-Counter (OTC) COVID-19 Tests

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