Less than a week after a new federal mandate to cover such products took effect, about half of the nation’s largest private insurers allow enrollees to directly obtain rapid at-home COVID-19 tests from specific sources without having to pay anything upfront, a new KFF analysis finds.
The new coverage requirement took effect Jan. 15, just five days after the Biden administration released detailed guidance about implementing the new requirements originally announced on Dec. 2..
The analysis examines how the 13 private insurers with at least a million enrollees are currently implementing the requirement, including how enrollees can obtain tests, submit claims and get reimbursed. These insurers collectively cover more than half of all people covered in the fully insured commercial market.
Key findings include:
A separate brief examines how states are implementing Medicaid’s requirements to cover rapid at-home tests at no cost to enrollees, as required by the American Rescue Plan of 2021.