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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 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.

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