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 https://www.bcbsm.com/index/common/important-information/covid-19.html 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 https://www.ieuter.com
Ieuter Insurance Group 414 Townsend St Midland MI 48640 (989) 835-6701