Member Updates & Information
We are committed to making sure members get the care they need when they need it. CareFirst continues to cover the cost of COVID-19 tests administered by a healthcare provider for diagnostic purposes. Also, note that all American households can order free COVID-19 tests from the federal government. Visit covidtests.gov, and click the blue "Order Free At-Home Tests" button. Then, complete and submit the online form. Everyone qualifies. You do not need health insurance to receive your free tests. People may also access free or affordably priced testing in the community. You can find a list of community-based testing sites here.
Frequently Asked Questions
For more information about coverage of over-the-counter tests, view our frequently asked questions.
Additionally, the federal government now requires commercial health plans to cover the cost of over-the-counter COVID-19 tests for members. This policy will remain in effect for the duration of the Federal Public Health Emergency.
We recognize the important role testing, along with vaccines and boosters, has played in the effort to battle the pandemic. Over-the-counter at-home COVID-19 tests have been in limited supply and finding tests can be challenging. The process we've put in place empowers our members to buy and submit claims for tests purchased through online vendors and retail locations of their choosing.
The following claims process pertains to CareFirst commercial members* only. If you are a Medicare Advantage, Medigap, Medicaid or Dual Eligible Special Needs Plan member, please call the number on the back of your member ID card for benefit information.
Commercial members may receive reimbursement for up to eight over-the-counter COVID-19 at-home tests per covered individual in the household per 30-days without a healthcare provider order or clinical assessment. If multiple tests are sold in one package, i.e., if one package includes two tests, it counts as two tests and not one test package toward the quantity limit.
Tests that can be purchased at a retail location or online but are then sent to a lab for processing are not covered unless accompanied by a doctor's order (except for individuals covered by plans based in the District of Columbia).
To be eligible for reimbursement, the purchased over-the-counter at-home COVID-19 tests:
- must be purchased on or after January 15, 2022
- must be for personal diagnostic use
- used to identify the potential COVID-19 infection
- not be used for employment purposes
- not used for surveillance testing
- will be self-administered with results that can be self-read
- will not be resold, given or supplied to persons other than family members covered under the same policy
- will not be reimbursed by another source
Members must complete a claim form to be reimbursed for over-the-counter COVID-19 testing. If you have health coverage through a large employer, we recommend you contact your Benefits or HR Administrator to determine if your over-the-counter COVID-19 testing claim should be submitted to CareFirst as a medical claim or to your employer’s Pharmacy Benefit Manager as a pharmacy claim.
Required documentation for this medical claim includes:
- The purchase receipt documenting the date of purchase and price
- UPC** cut-out from the over-the-counter COVID-19 test packaging
- Signed, completed attestation confirming and acknowledging that the purchased over-the-counter at-home COVID-19 test meets eligibility guidelines
The attestation included in our claims process ensures our members comply with the spirit of this policy—to ensure tests are accessible and affordable for those who need them. Buying tests to store them for a potential need isn't good for the community or public health. We ask everyone to respect and protect community health as the supply chain and our health and retail partners catch up with demand.
To submit a claim online, log in to, or register for My Account, click ‘My Documents’, then ‘Forms’ and select ‘Over-the-Counter COVID-19 Test Online Claim’ to get started.
To print and mail your claim, download the claim form (PDF).
*This process applies to members with individual, employer-sponsored or student health plan coverage, as well as Federal Employee Program (FEP) and Federal Employee Health Benefits Program (FEHBP) plan members.
**The UPC (Universal Product Code) is the barcode and 12-digit-number that typically runs below it.