Virginia Private Health Insurance Providers

• Submit your reimbursement claim here (or here if you are a Student Health Plan Member)
  • Login
  • Click "submit a claim for reimbursement"
  • Follow claims instructions 
    • If you have Aetna insurance, please email us the claim form! That way we can include instructions for filling it out. Our email is hopesmedics@protonmail.com
  • Once approved a check will be mailed to you
• Only available for those with private, employer-sponsored or student health commercial insurance
  • Doesn't apply to members who have Medicare, Medicare Supplement, Medicaid or voluntary insurance
• Specifies 8 tests per 30 day period 

https://www.aetna.com/individuals-families/member-rights-resources/covid19/otc-in-home-test-faqs.html

• Might be able to order tests from them (they arrive in 1-2 business days)
  • Login here to find out if this is an option for you
• All Anthem members can get reimbursed for over the counter tests 
  • To submit a claim, log in to anthem.com, go to Claims & Payments, and choose Submit A Claim.
    • If you have Anthem insurance, please email us the claim form! That way we can include instructions for filling it out. Our email is hopesmedics@protonmail.com
  • Diagnostic tests are for people who have symptoms of COVID-19. They also are for people who have no symptoms but know or suspect that they have recently been exposed to someone who has COVID-19
  • Specifies only 8 a month

https://www.anthem.com/coronavirus/individual-and-family/ 

https://www.anthem.com/coronavirus/blog/prevention-and-getting-care/coverage-over-the-counter-kits/ 

Coming soon!

• 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 another type of CareFirst plan, 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 

• Reimbursement requires a mail in form (or fax)
• You can find the form here 
  • Section 1
    • First subsection: you must select the first option
    • Rest of section is about the test you bought and how many. All the listed tests qualify for reimbursement
  • Section 2 - answers must be as follows: Yes, No, No, No
  • Section 3 
    • Don't forget to include a copy of your receipt
    • Patient information   
• Specifies 8 tests per 30 days or calendar month (looks copied and pasted, unclear if they are actually imposing both restrictions)

https://www.cigna.com/coronavirus/ 

Separately, if you are recommended for COVID-19 testing by the symptom checker (or by a doctor), you can order a mail-in PCR test here and the test will be covered by Cigna

https://www.cigna.com/static/www-cigna-com/docs/coronavirus/find-care-for-covid-19.pdf

Coming Soon!

Coming Soon!

• 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 

Coming Soon!

Coming Soon!

Coming Soon!

• 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
  • The 8 tests are free with no upfront costs needing to be reimbursed if you do this
• 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 a website that listed health insurance providers in Virginia. If you live in Virginia and have different non Medicare/Medicaid insurance provider, please let us know! Our email is hopesmedics@protonmail.com