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Important Notice Regarding At-Home COVID-19 Tests

Important Notice Regarding At-Home COVID-19 Tests

in Important Notices by UHA Health Insurance

Last Updated: January 20, 2022

Updates will be posted here regularly as they become available.

UHA is working diligently to fulfill the Over-the-Counter (OTC) COVID-19 Testing requirements recently announced by the federal government. Starting Jan. 15, 2022, UHA will cover costs for FDA-authorized OTC COVID-19 diagnostic test kits to ensure our members have the access and results they need to remain confident they are healthy and safe.

  1. What does the federal government’s requirement provide?

    Starting January 15, 2022 and at this time continuing through the federal public health emergency, each individual member may receive up to eight FDA-authorized over-the-counter (OTC) COVID-19 at-home tests per calendar month. Many kits have two tests per kit, so the benefit would cover four test kits.

    These tests are covered without the need for a healthcare provider’s order, clinical assessment, or other medical management requirements, and at no out-of-pocket cost to our members.

    Eligible tests will be at no cost to a member when purchased through a preferred participating pharmacy in UHA’s network (or a portion is reimbursable if purchased through an online retailer or at a retail store.)

    The OTC COVID-19 at-home tests are an individual member benefit when a test kit is purchased for that individual’s own personal use (or use by another participant, beneficiary or enrollee who is covered under the plan or coverage as a member of the individual’s family). Note that UHA does not provide coverage of COVID-19 testing that is for employment purposes and members may be required to sign an attestation that they understand this is for personal use only.

  2. What pharmacies are participating providers of UHA?

    We anticipate that UHA’s network of preferred participating pharmacies will include CVS Longs and Walmart pharmacies in Hawaii. For now, while these pharmacies work to get operational, we suggest that members with an immediate need consider purchasing available FDA-authorized tests that meet the reimbursement guidelines of $12 or less per individual test. This will help ensure a simpler direct reimbursement process for you while minimizing any potential out-of-pocket costs for you as well.

    Once system updates are completed to make CVS Longs and Walmart operational in supporting direct coverage for OTC at-home COVID-19 tests, UHA members will be able to have their tests paid for at the point of sale (with no out-of-pocket costs to you) when purchased at these local pharmacies. 

    UHA will continue to update our list of preferred participating pharmacies as they are added and become operational.

  3. Which over-the-counter (OTC) COVID-19 at-home tests will UHA cover?

    Only tests authorized by the Food and Drug Administration (FDA) are covered by UHA. To see if a test is FDA-authorized , visit this FDA website for a list of approved rapid antigen-based tests and molecular-based (PCR) tests.

    Tests available for reimbursement should be listed on the FDA website above and state “OTC” for over-the-counter at-home tests.

  4. If I pay upfront for my at-home COVID-19 tests, how much will I be reimbursed and
    how do I get reimbursed?

    UHA will reimburse the cost up to $12 per individual test (i.e., the cost of the test or $12, whichever is less) that is paid by a member. Taxes and shipping costs will not be covered or reimbursable.

    Please save your test kit’s receipts and UPC barcode for reimbursement. Members who make purchases must file a claim within 90 days for reimbursement. Visit UHA’s online Member FAQs for instructions on how to file your UHA claim for reimbursement.

  5. Will UHA cover at-home COVID-19 tests purchased before Jan. 15, 2022?

    No. This benefit will be covered for UHA members only starting January 15, 2022 as required by the federal government.

To learn more about the federal mandate for no cost at-home COVID-19 tests, visit:

Free at-home, over-the-counter (OTC) COVID-19 tests can also be ordered online at covidtests.gov starting January 19, 2022.