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infographic private insurance covers COVID tests

While you can no longer get free COVID-19 test kits from the federal government, if you have health insurance, you’re covered for eight free over-the-counter, at-home COVID-19 tests each month. So if you have health insurance through your employer, or if you have a plan through the Affordable Care Act’s marketplace, each person on your plan can get eight tests per month. If you’re on Medicare, you’re also covered for 8 free over-the-counter COVID-19 tests each month.

There are two ways to get your tests for free: (1) use a pharmacy or store that your health plan designates “in network” where you’ll be charged $0 or (2) get reimbursed by submitting a claim to your insurance plan. Check with your health insurance provider to find an in-network pharmacy or to know what receipts or other documentation you’ll need.

For more information, including other free COVID-19 testing options, visit

Since we know scammers are targeting Medicare recipients with fake offers for free tests, it’s a short leap to say they might also approach people with private health insurance, trying steal your personal information to commit fraud and bill bogus charges to your insurance.

To keep your information safe:

  • If you buy test kits online, know who you’re dealing with. Search online for the product or company name, plus “complaint” or “scam” to see what other people are saying.
  • Never give your health insurance or other personal information over the phone to anyone who calls out of the blue.
  • Check your Explanation of Benefits statements to be sure the claim includes only services you really got.
  • Read about medical identity theft to learn how to protect yourself, and how to know if someone is misusing your medical information.

If you suspect a scam, let the FTC know at


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The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

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Charlene J cole
October 12, 2022

Thank you do much for the work you do.

November 22, 2022

Anthem Blue Cross refuses to cover the cost of at home tests. They make billions in profit and cannot simply allow direct billing from CVS. What a scam

Anna Rhodes
April 28, 2023

ClearChain Health also does not cover any tests. I pay them $500 every month through my employer and they refuse to cover a single dollar of at home tests.