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Does my Blue Cross Blue Shield coverage include at-home Covid-19 tests?

Your Friends In The Insurance Business at Ieuter Insurance groups have been fielding a few calls from clients with questions about Blue Cross Network's coverage of in-home Covid-19 tests.  

As of Jan.15, 2022, all individuals with BCBSM and BCN commercial health coverage are eligible to receive reimbursement for up to eight at-home COVID-19 rapid antigen or molecular tests per calendar month. These are the types of tests that you can get over the counter at a pharmacy, retail store or even through online purchases. You can visit to determine what tests are FDA approved, which is a requirement for reimbursement. Don't forget to save your receipt!  

Here's more information directly from the Blue Cross Blue Shield website referenced above:

To be eligible for reimbursement, you'll need to follow these guidelines:

*The test was authorized by the FDA

*The FDA lists all authorized tests on their website, but there are steps you need to take to find them:

·         A list of FDA authorized antigen tests is located here.

·         A list of FDA authorized molecular tests is located here.

·         To get to the tests that are payable at home, you'll need to use the search in the section titled Individual EAUs for Antigen Diagnostic Tests for SARS-CoV2 and type OTC. That will bring up a list of tests and all of those are part of the at-home rapid diagnostic COVID-19 reimbursement program (except for one test in the antigen page which is listed as "Telehealth, Proctor Supervised").

*You can provide a receipt for the amount paid

Members can fill out a form to obtain reimbursement for these at-home rapid diagnostic COVID-19 test kits. Form must be printed and mailed to Blue Cross Blue Shield of Michigan at the address provided.

For all your insurance needs, visit us at

Ieuter Insurance Group 414 Townsend St Midland MI 48640 (989) 835-6701

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