Maryland Private Health Insurance Providers

• Only covers DIAGNOSTIC tests, not for surveillance, work, or social purposes
• Members must submit claims for reimbursement by downloading a claims form from My Account. The completed claims form will need to be MAILED according to instructions on the form.
  • The submitted claim must also include: 
    • The purchase receipt documenting the date of purchase and price
    • UPC from the packaging for the over-the-counter COVID-19 test
    • Signed, completed attestation form stating the test was purchased for yourself for diagnostic reasons 
  • The forms for CareFirst BlueChoice (not BluePreferred) with helpful instructions
    • If you have BluePreferred or Federal Employee Program insurance, please email us that form at hopesmedics@protonmail.com
• specifies only 8 tests a 30 day period

https://individual.carefirst.com/individuals-families/about-us/coronavirus-members-faq.page 

• Can get reimbursed for tests purchased
  • Select “Submit a claim”
  • You will need to submit information about the test(s) purchased and proof of payment, which could include receipts, or a bank or credit card statement.
    • Section A – patient information, will need your medical record number (can find on your insurance card and online under Profile & Preferences -> Member Information)
    • Section B – only need to fill out if you also have another health insurance
    • Section C sample answer – On [date], I purchased 8 (eight) [insert brand name] over-the-counter COVID-19 tests after [experiencing insert covid symptoms/being exposed to COVID-19*]. These tests are authorized for emergency use by the FDA. The tests were not purchased directly from Kaiser Permanente because at the time of purchase, Kaiser was not offering direct sales of rapid antigen tests according to your website. 
    • Section D – provider will be the store/website you get it from. The service is the test. Your receipt will work as both your proof of payment and the provider’s bill
    • Section E – select “no”
    • Patient Signature – sign, date, put your phone number
• Kaiser is working on getting tests you can get directly from them, including through mail order (could trigger $12 refund max per test once it happens)
• Doesn’t specify only 8 a month, but I’d be careful about testing that if you can’t afford the 9th if it doesn’t get reimbursed 

*Remember the law only covers tests that are for diagnostic purposes. So put that you purchased the tests because of symptoms, exposure, or possible exposure (there’s so much COVID in the community right now that possible exposure is an absolutely legitimate reason that will work for almost everybody)

https://healthy.kaiserpermanente.org/maryland-virginia-washington-dc/health-wellness/coronavirus-information/testing 

• Best option looks like buying it in-store at the pharmacy counter at a preferred retailer (bring your member ID card with you)
  • Walmart Pharmacy 
  • Rite Aid Pharmacy 
  • Bartell Drugs 
  • Need to have a plan that gives you an insurance card with an OptumRx logo on it for this option
• Other option is reimbursement 
  • Can submit reimbursement online or by mail 
    • Easy form
    • Include proof of payment
  • Reimbursements are dispersed within 10-20 days either by direct deposit or mail — if you have previously made a selection. If you haven’t selected a preferred method, your reimbursement will be mailed to you.
  • Maximum reimbursement is $12 per test (if it comes in a 2 pack, $24 per kit). If you don't have OptumRx, this is illegal, but according to their customer service person, they're doing it
    • If you think you can help with this, please contact us. Our email is hopesmedics@protonmail.com
• Specifies only 8 tests a 30 day period

https://www.uhc.com/health-and-wellness/health-topics/covid-19/coverage-and-resources/covid-19-at-home-testing-coverage  

These were the only insurance providers we saw on the Maryland health insurance marketplace. If you live in Maryland and have different non Medicare/Medicaid insurance provider, please let us know! Our email is hopesmedics@protonmail.com