At-Home COVID Testing Options

It is always a good idea to have at least a couple of self-test kits on hand as the COVID-19 pandemic continues. To get the most accurate results, at-home rapid testing is best advised on your third day of COVID-like symptoms (i.e. cough, fatigue, muscle or body aches, sore throat, congestion, etc.). On days 1 and 2 of symptoms, you should be limiting your exposure to other people as much as possible and wearing a mask when around others. Questions about COVID testing can be directed to the Health Center via phone (503.943.7134) or email (hcc@up.edu).

Effective January 15, 2022, commercial insurers and plan sponsors are required[1] to cover the cost of FDA approved[2] over-the-counter, at-home COVID-19 tests (up to 8 tests every 30 days per member), for personal use that are not paid by other sources. This requirement is effective while the federal Public Health Emergency[3] is in place.

The Health Center at UP is unable to answer questions regarding your specific insurance coverage for COVID tests. Please contact your health insurance provider using the customer/member services phone number on your insurance card for questions about your coverage and their reimbursement policies. The information below is subject to change at the discretion of each insurance provider or health retailer.


Self-Test Kit Ordering through Private Insurance

Please note that tests are subject to availability.

PacificSource Insurance (UP Student Health Insurance)

For $0 cost up-front in-store purchase:

  1. Bring your PacificSource health insurance card to a CVS Pharmacy.
  2. Go to the pharmacy window (not the front check-out) and ask the pharmacist for up to 8 COVID tests covered by your insurance every 30 days.

For $0 cost up-front online ordering:

  1. Visit CVS’s at-home COVID-19 test website. Have your PacificSource health insurance card ready.
  2. Select the option to request at-home COVID-19 tests online.
  3. Follow the prompts to request up to 8 tests. Keep in mind that there may be some shipping fees associated with mailing tests to your home; in-store pickup is always free.
  4. Create a CVS Pharmacy account by entering your contact and insurance information.
  5. For in-store pickup, you will receive a text or email notification when your tests are ready for pickup.

For reimbursement of up to $12 per purchased test:

  1. Purchase over-the-counter at-home COVID-19 tests at any in-person or online pharmacy or health retailer and keep your receipt. (View instructions below for ordering self-test kits through health retailers)
  2. Follow the instructions to upload copies of your receipts to your Caremark.com account.
  3. Once you’ve submitted your request, you can expect a response within 30 days. If your request for reimbursement is approved, a check will be mailed to you.

Kaiser Permanente Insurance

For $0 cost up-front online ordering:

  1. Visit Kaiser’s Guide to COVID-19. Select the option to order tests now.
  2. Login to your Kaiser online account, or create an account using your insurance card if you don’t have one already.
  3. Follow the prompts to request 4 at-home COVID-19 tests to be mailed to you.
  4. You will receive an email confirmation when your order is confirmed, and another email with a tracking number once your order has shipped.

Aetna Insurance

Members who have Aetna pharmacy benefits can submit a claim for reimbursement through their Aetna member website. If your pharmacy benefits are not with Aetna, contact your pharmacy benefits administrator for instructions.

For full reimbursement of purchased tests:

  1. Purchase over-the-counter at-home COVID-19 tests at any in-person or online pharmacy or health retailer and keep your receipt. (View instructions below for ordering self-test kits through health retailers)
  2. Login to your Aetna member account, or create an account using your insurance card if you don’t have one already.
  3. Select the option to learn about test kits & reimbursement and follow the steps to submit a reimbursement claim.

Regence Blue Cross Blue Shield (BCBS) Insurance

For $0 cost up-front in-store purchase:

  1. Bring your Regence health insurance card to a Costco, CVS, Fred Meyer, Rite Aid, Walgreens, or Walmart Pharmacy.
  2. Go to the pharmacy window (not the front check-out) and ask the pharmacist for up to 8 COVID tests covered by your insurance every 30 days.

Hawaii Medical Service Association (HMSA) Insurance

If you purchased OTC at-home tests outside of Hawaii Family Medical Center, HMSA will reimburse commercial plan members for the price of the tests, including shipping and sales tax, up to $12 per test. You can be reimbursed for up to eight tests per month.

For reimbursement of up to $12 per purchased test:

  1. Purchase over-the-counter at-home COVID-19 tests at any in-person or online pharmacy or health retailer and keep your receipt. (View instructions below for ordering self-test kits through health retailers)
  2. Login to your HMSA member account, or create an account using your insurance card if you don’t have one already.
  3. Click on the Claims tab and select the COVID-19 test reimbursement form.
  4. Follow the steps to submit a reimbursement claim. You will need the following information:
    Health plan name, Member name & contact information, Date & time you purchased test(s), Location of purchase, Brand of test(s), Number of kits and tests purchased, Price per test, Copy of receipts(s), Photo of UPC barcode on the test kit(s)
  5. You will receive a confirmation email that your claim has been received.


Self-Test Kit Ordering through Health Retailers

Coverage for self-test kits that are purchased at pharmacies and other health retailers differs for each private insurance. Please contact your health insurance provider using the customer/member services phone number on your insurance card for questions about your coverage and reimbursement policies.

CVS Pharmacy – closest location to campus is 1555 N Tomahawk Island Dr.

For $0 cost up-front online ordering:

CVS Pharmacy patients with eligible commercial or group health insurance can visit CVS.com or the CVS Pharmacy app to utilize a digital service that simplifies the process for locating, ordering, and picking up at-home COVID-19 test kits with zero upfront out-of-pocket cost and without the need for the patients to submit a claim to their health insurance provider. To check availability and order tests, patients should:

  1. Visit CVS.com or use the CVS Pharmacy app to search for at-home COVID-19 tests at nearby CVS Pharmacy locations
  2. Select a nearby CVS Pharmacy with tests available, then enter prescription insurance information (use ID cards that display RX BIN, RX PCN information)
  3. Provide an email and phone number to receive notifications with updates on their order status
  4. Head to the CVS Pharmacy they selected for fast and easy store pickup using their name and order number at the front checkout

For security purposes, CVS.com patients will be asked to log in to their account. New customers are required to register for a CVS.com account prior to providing their insurance information.

For $0 cost up-front in-store purchase:

Members of participating commercial insurance plans may access tests with no up-front cost by visiting the pharmacy counter at their local CVS Pharmacy. Please remember to bring your pharmacy benefit ID card(s). Look for the cards that contain the RX BIN and RX PCN information.

For reimbursement of purchased tests:

Patients who may be ineligible for advance reimbursement, or patients who choose to purchase pay for the kits upfront and submit receipts directly to their insurer may:

  • Order at-home COVID-19 test kits for delivery through CVS.com or the CVS Pharmacy app pay today and get reimbursed option; or
  • Visit a local CVS Pharmacy and purchase test kits directly at the checkout at the front of the store

Patients are strongly encouraged to save their receipt(s) as they may need to submit them to their insurer.

Walgreens Pharmacy – closest location to campus is 2829 N Lombard St.

For $0 cost up-front online ordering:

  1. Choose your pickup store. Availability varies by store.
  2. Select your quantity; choose 2, 4, 6 or 8 tests.
  3. Enter patient information.
  4. Enter insurance information.
  5. Walgreens will submit a claim on your behalf.
  6. When your order is ready, Walgreens will contact you with detailed pickup instructions.

For reimbursement of purchased tests:

  1. Purchase over-the-counter at-home COVID-19 tests in-person or online at the pharmacy and keep your receipt.
  2. Follow your insurance’s instructions to send copies of your receipts for reimbursement.

Fred Meyer Pharmacy – closest location to campus is 6850 N Lombard St.

For reimbursement of purchased tests:

  1. Purchase over-the-counter at-home COVID-19 tests in-person or online at the pharmacy and keep your receipt.
  2. Follow your insurance’s instructions to send copies of your receipts for reimbursement.

Safeway Pharmacy – closest location to campus is 8330 N Ivanhoe St.

For reimbursement of purchased tests:

  1. Purchase over-the-counter at-home COVID-19 tests in-person or online at the pharmacy and keep your receipt.
  2. Follow your insurance’s instructions to send copies of your receipts for reimbursement.

Rite Aid Pharmacy – closest location to campus is 600 NW 10th Ave.

For $0 cost up-front in-store purchase:

Members of participating commercial insurance plans may access tests with no up-front cost by visiting the pharmacy counter at their local Rite Aid Pharmacy. Please remember to bring your pharmacy benefit ID card(s). Look for the cards that contain the RX BIN and RX PCN information.

For reimbursement of tests purchased online:

  1. Choose your pickup store at the top of the page. Availability varies by store.
  2. Add your preferred brand of tests to your cart.
  3. Sign up for a Rite Aid account at the top of the page by entering your contact and insurance information.
  4. When your order is ready, Rite Aid will contact you with detailed pickup instructions.
  5. Follow your insurance’s instructions to send copies of your receipts for reimbursement.

Other Purchasing Options

The options below are eligible for reimbursement by most private health insurances.

  • iHealth: 2 test kits for $17.98 + free shipping
  • BinaxNOW: 2 test kits, price varies by retailer (between $19.88 - $23.99)
  • QuickVue: 2 test kits, price varies by retailer (around $23.99)

 

[1] HHS.gov – Biden-Harris Administration Requires Insurance Companies and Group Health Plans to Cover the Cost of At-Home COVID-19 Tests
[2] FDA.gov - Individual EUAs for Antigen Diagnostic Tests for SARS-CoV-2
[3] HHS.gov – Renewal of Determination that a Public Health Emergency Exists