At-home COVID-19 test kit coverage

Friday, January 21, 2022
Updated 9/14/2022

The Omicron variant has created an overwhelming demand for over the counter (OTC) COVID-19 test kits, so supplies may be limited. 

Test Kit Coverage for OptumRx Members

OptumRx members have four options for coverage of over the counter (OTC) at-home COVID-19 test kits:

  1. Pay $0 at a preferred network pharmacy: Visit a Walmart, Sam’s Club or Rite Aid pharmacy and simply go to the pharmacy counter, present your member ID card, and ask to have your OTC at-home COVID-19 test kits submitted to your plan for coverage.
  2. Order COVID-19 test kits online at Optum Store with $0 member cost-share. Members will be required to sign in through OptumRx. Members pay for shipping, or it’s free when they spend $45 or more (equivalent to 2 kits).
  3. Purchase a kit and then submit an electronic form for reimbursement: You can also purchase an OTC at-home COVID-19 test kit at other stores or online retailers. Keep your purchase receipt(s) to submit for reimbursement. To receive the quickest possible reimbursement of up to $12 per test, submit an electronic claim form by visiting
  4. Purchase a kit and then print and mail in a paper reimbursement form: If you prefer to submit your claim by mail, you can print a form at and then mail it in. Reimbursement applies up to $12 per test. Please note: you will receive reimbursement more quickly if you submit an electronic claim.

Tests Covered

Coverage includes OTC at-home COVID-19 test kits authorized by the Food and Drug Administration (FDA). The most common tests are BinaxNOW™, Flowflex™, InteliSwab™, On/Go™ and QuickVue®.

Test Coverage Quantity Limits

Covered members can get up to 8 individual tests per month, (e.g., a covered family of 4 would be eligible for 32 tests a month).

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