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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: February 10, 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 participating pharmacy in UHA’s network. If purchased through an online retailer or at a retail store, a portion of the cost can be reimbursed. Refer to question 5 for details and procedures how to submit a reimbursement request directly with UHA.

    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. How can I obtain my free at-home COVID-19 tests?

    • Through the federal government
    Residential households can request a total of four tests to be delivered for free. To learn more and order at-home tests, visit www.covidtests.gov or see the Additional Resources section below.

    • Through a participating pharmacy
    Pending available inventory, rapid antigen at-home test kits may also be available at your local drugstore or online retailer.

    Eligible tests will be at no cost to a member when purchased through UHA’s network of participating pharmacies using their point of sale (POS) check out process at the pharmacy counter.  As local pharmacies work to operationalize their check out process, the ability to obtain an at-home test with no out-of-pocket cost to the member might vary from pharmacy to pharmacy as they update their in-store systems.   If this is the situation, members will be asked to pay for their test upfront and can submit a claim for reimbursement. Refer to question 5 below for details and procedures of how to submit a reimbursement request directly with UHA.

    By using UHA’s network of participating pharmacies to obtain at-home COVID tests, members may be able to have tests paid for at the point of sale (with no out-of-pocket costs) when purchased from certain UHA participating pharmacy’s counter.

    • Through an online retailer or retail store
    If purchased through an online retailer or at a retail store, a portion of the cost can be reimbursed up to $12 max per individual test (inclusive of tax, fees and shipping.) Refer to question 5 below for details and procedures of how to submit a reimbursement request directly with UHA.

     Supplies are currently very limited.  As the situation evolves and more information becomes available, we will share updates on how to obtain rapid antigen home tests.

  3. What pharmacies are participating providers of UHA?

    UHA’s network of participating pharmacies includes all those listed in our Pharmacy Provider Directory here. If your local pharmacy is not yet operational with point of sale check out, and you have an immediate need to obtain an at-home test, we suggest you purchase available FDA-authorized tests that meet the reimbursement guidelines of $12 max or less per individual test (inclusive of tax, fees and shipping). This will help ensure a simpler direct reimbursement process for you while minimizing any potential out-of-pocket costs for you as well.

  4. 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 to check their list of approved rapid antigen-based tests and review the performance results and reliability data (i.e., rate of false positives and false negatives) of specific tests.

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

  5. 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 max per individual test that is paid by a member. This means if the member pays less than $12 total for an individual test (inclusive of any taxes, shipping and fees,) UHA will reimburse that lesser amount paid by the member.

    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.

    Click here for instructions on how to file your OTC COVID-19 at-home test reimbursement with UHA.

    Reimbursements may take longer than 30 days to be processed due to a high volume of claims we are experiencing. We ask for your patience to receive your reimbursement.

    For further assistance or questions regarding filing your UHA claim for reimbursement, contact our Customer Services department at (808) 532-4000 or (800) 458-4600 (toll-free), or via email.

  6. 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.

    1. How do I know which COVID-19 test I should take and when?

      Refer to these Center for Disease Control (CDC) resources on when to self-test using your at-home test kits and for an overview of the different types of available COVID-19 tests and applicable scenarios when each is appropriate.

      Note that UHA does not provide coverage of COVID-19 testing that is for employment purposes.  Click here for further information about UHA’s COVID-19 diagnostic laboratory tests (PCR) and other tests requiring a health care provider’s orders.

    Additional Resources

    Currently, supplies of at-home COVID-19 tests may be limited, so here are links to free community testing sites statewide:

    Starting January 15, 2022, the federal government is distributing free at-home, over-the-counter (OTC) COVID-19 tests to all U.S. households at no cost. See below for more information.

    • Order online: covidtests.gov
    • Order by phone:
      • 1-800-232-0233 (TTY 1-888-720-7489)
      • Available seven days a week from 3 a.m. to 7 p.m., Hawaii Standard Time (8 a.m. to Midnight, Eastern Standard Time)
      • You’ll be greeted by a recording that urges callers to order online; continue to follow the voice prompts to place your order by phone (be prepared as there may be a long hold time.)
    • Frequently Asked Questions about ordering tests from the federal government: https://www.covidtests.gov/faq/

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

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