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Reimbursement for At-Home COVID-19 Tests

More information on eligibility, what’s covered, and how to submit a request.

Get started with your reimbursement request

If you bought or ordered an at-home COVID-19 test on or after January 15, 2022, you may be able to get reimbursed for the cost. Please note: Your receipt must be dated January 15, 2022 or later to be eligible for reimbursement.

To request reimbursement, you'll need to:

  • Sign in or register at Caremark.com (You must be a CVS Caremark® member)
  • Upload your proof of purchase; this can be a digital receipt or photo of a paper receipt

If you can fill prescriptions through CVS Caremark Mail Service Pharmacy, but don’t have a CVS Caremark prescription benefit plan, you'll need to request reimbursement through your health insurance company.

Reimbursement is only available if you participate in a commercial or Medicare plan that covers over-the-counter, at-home COVID-19 tests through the pharmacy benefit. If your plan does not cover at-home COVID-19 tests through the pharmacy benefit, your request for reimbursement will be denied. If you have questions about whether your plan covers at-home COVID-19 tests, contact your employer or health plan.

Please note: Only over-the-counter, at-home COVID-19 tests are eligible for reimbursement.

Request your reimbursement

Frequently asked questions.

You can be reimbursed for at-home test kits if you have private or employer-sponsored health insurance. You may be eligible for reimbursement if you have Medicare, Medicare Supplement, Medicaid or voluntary insurance plans. Check with your insurer or health plan to see if you’re eligible.

Ask your employer or health plan. They will have the best information on how you’ll be reimbursed. 

Your employer or health plan will have the best information on how to get reimbursed. Generally, you will need to submit:

  • Your mailing address (to send your reimbursement check)
  • The number and type of tests you bought
  • Where you bought the tests
  • A copy of your receipt dated January 15, 2022, or later (it’s okay if there are other items on the receipt – you will only be reimbursed for the tests)
  • You will also need to confirm that the test was used to diagnose a possible COVID-19 infection

You do not need to submit:

  • A prescription from your doctor
  • The results of your test

There are two ways to request reimbursement for at-home COVID-19 tests:

Sign in at Caremark.com and submit your test reimbursement request online

Print out, complete and mail a COVID-19 test reimbursement claim form in English or Spanish

We are working on claims based on those submitted earliest.  We thank you for your patience.

If your reimbursement request is approved, a check will be mailed to you.

Please note that some employers or health plans may let you buy test kits at the pharmacy counter at no out-of-pocket cost to you.

If you buy your at-home COVID-19 tests at a pharmacy that doesn’t allow you to use your benefit, you’ll have the option of paying out of pocket and requesting reimbursement (limited to $12 per test).

You can use your benefit to purchase tests at over 65,000 pharmacies nationwide.  

Please note that your employer or health plan may have decided that you can only use certain pharmacies to purchase at-home COVID-19 tests using your benefit and without any up-front cost. Check with your plan to see which pharmacies are included.

Under the federal government’s current guidelines, tests are eligible if:

  • They are bought without a prescription
  • You can administer the test and read the results yourself, without the help of a health care provider

Eligible tests include single-use, cartridge-based tests (for example, Flowflex, BinaxNow or Ongo) that don’t require a machine or mobile app to get results.

You won’t be able to get reimbursed for tests that:

  • Have to be sent to a lab (for example, Pixel, MyLab Box)
  • You can’t administer and read yourself
  • Require a health care professional (doctor or nurse) to administer or read the test (for example, PCR or rapid tests)

No. PCR home collection kits that are sent to a lab are not eligible for reimbursement at this time.

Your plan will cover up to 8 (eight) at-home COVID-19 tests for each person covered under your plan within a 30-day period.

  • If you buy a multi-pack of tests, each test in the package counts a single test. So a four-pack counts against the limit as four tests.
  • You do not need a prescription from your doctor to get reimbursed for your test. However, it’s important to know that there is no quantity limit on tests ordered by your doctor or other health care provider.
  • Tests must be used to see if you or a covered family member has a COVID-19 infection. You won’t be reimbursed for tests used for work, school or other requirements.

We encourage you to submit your receipts right away to help make sure you get your reimbursement as soon as possible. You can submit receipts (dated January 15, 2022 or later) until the end of the Public Health Emergency (PHE). At this time, the PHE is set to end in April 2022, but the Federal government may extend it.

You will be reimbursed $12 for each at-home test or the amount you paid out-of-pocket – whichever is lower. Please note that a small minority of plans may have elected to cover a higher amount including up to full reimbursement. Contact your employer or health plan for more information.

The federal government allows plans that lets members get tests with no up-front, out-of-pocket costs, to limit reimbursement for post-service claims to $12. Under your prescription plan, you can get tests with no out-of-pocket costs at over 65,000 pharmacies nationwide.  

Please note that post-service reimbursement may differ depending on your plan design.  Contact your employer or health plan for more information.

You can. However, because you can’t be reimbursed more than once for the same medical expense, you can’t be reimbursed through your plan for any tests you paid for with HSA or FSA dollars.

If you buy your at-home COVID-19 tests at a pharmacy, other retailer or online, that doesn’t allow you to use your pharmacy benefit, you’ll have the option of paying out of pocket and requesting reimbursement.

  • Remember, because of the Omicron variant, at-home COVID-19 tests are in high demand in many places. Supplies may be limited.
  • CVS Caremark® Mail Service Pharmacy does not carry at-home COVID-19 tests.

You can also order four no cost at-home COVID-19 tests from the federal government. There’s no cost for shipping, and you won’t need to provide a credit card number.

Yes. Starting February 15, 2022, you can get $0 at-home COVID-19 tests at most CVS Pharmacy locations. There’s no need to submit receipts or wait for reimbursement. Please note this does not include CVS pharmacies located in Target or Schnucks.

There are two ways to get your $0 at-home tests: 

  1. Order online at CVS.com or use the CVS Pharmacy app
  2. Visit the pharmacy counter at your local CVS Pharmacy

If you prefer to order online, follow these steps:

  1. First get your insurance card, you’ll need some information from it
  2. Go to CVS.com or use your CVS Pharmacy app and select “At-home COVID-19 tests.” Follow the instructions to request your test.
  3.  Enter your zip code and find the closest CVS Pharmacy with available tests
  4. Select “Request at-home tests” and follow the instructions to enter the appropriate information from your insurance card.

Once your order is ready, you’ll get an email or text. Then go to the CVS Pharmacy location you ordered from and see any cashier at the front of the store and provide your name and confirmation code to pick it up. If you have any questions, visit CVS.com or ask your pharmacist.

Starting in March 2022, a “Ship to Home” option will be available. If you choose this option, you’ll need to enter the address where you want to receive your order. Shipping costs depend on your plan – you can see your shipping fees when you enter your insurance information. If you are enrolled in the CVS Pharmacy CarePass® program, your shipping costs may be waived. If you aren’t eligible for free shipping, you’ll be asked to enter a credit card number, and you’ll be charged $5.49 per order.

A few things to keep in mind:

  • Orders cannot be picked up in the drive-through
  • If you do not pick up your order within 72 hours, it will be cancelled
  • At-home COVID-19 tests may be available at other pharmacies in your plan’s pharmacy network; contact your plan administrator for more information
  • If you are in a CVS Pharmacy store, you can still use the online order tool. Ask a store associate for the QR code you can scan on your mobile device. That will take you to the online order application.  From here, you can place your order, which the store will receive immediately. Store employees will fill the order and you can be on your way.

No. The tests you can get at no cost without a prescription are: Flowflex, Ongo, BinaxNow, iHealth, INTELISWAB, and Quick Vue. This list will be updated over time. If a test is not covered at point of sale, keep your receipt and submit a request for reimbursement (as long as you haven’t met the maximum number of 8 covered tests per 30 days). Please note that, because of the 8-test maximum, kits that contain many tests (over 15 or over 25) will not be covered.

You can use your benefit to purchase tests at over 65,000 pharmacies nationwide, with the exception of Kroger, Costco, and a small subset of independent pharmacies. You’ll need to show your member ID card at the pharmacy counter (not the front store register). If a pharmacy is unable to process your purchase through your benefit, you have the option of paying for the test and requesting reimbursement (be sure to keep your receipt). Check with the pharmacy for more information.

Please note that your employer or health plan may have decided that you can only use certain pharmacies to purchase at-home COVID-19 tests using your benefit and without any upfront cost. Check with your plan to see which pharmacies are included.

Some pharmacies may not be able to process claims for at-home COVID-19 tests at the pharmacy counter at this time. If this happens, you can pay for the test, then submit a request for reimbursement.

If you’ve recently tested positive for COVID-19, the CDC recommends you get a booster once you are symptom free and have completed quarantine. 

 

Schedule a COVID-19 booster today