Effective January 15, 2022 and through the end of the Public Health Emergency (PHE) period, OTC tests that are approved under the FDA emergency use authorization (EUA) in vitro diagnostics will be covered at $0 cost to the customer, without a health care provider order or individualized clinical assessment. If you purchase an over-the-counter COVID-19 test from a pharmacy, store, or online retailer and are charged for your test, keep your receipt and submit a claim to Cigna for reimbursement. You will be reimbursed the costs of diagnostic OTC testing, regardless of where the tests are obtained (in- or out-of-network). Your plan can provide this coverage through reimbursement to you. Your plan can require you to sign an attestation that the test:
- Was purchased for the covered individual;
- Is not for employment purposes;
- Has not and will not be reimbursed by another source, and
- Is not for resale.
Your plan may require reasonable documentation of proof of purchase with a claim for reimbursement for the cost of an OTC COVID-19 test. Examples of such documentation could include the UPC code for the OTC COVID-19 test and/or a receipt from the seller of the test, documenting the date of purchase and the price of the OTC COVID-19 test.
The ability to submit an online claim will soon be available. Check back here for updates.
For tests purchased on or after January 15, 2022, you can download the COVID-19 Over-the-Counter (OTC) Test Kit Claim Form and submit via mail or fax using the instructions on the form.*
*Original Medicare and Medicare Advantage plans are not part of this program. Cigna Medicare Advantage plans will cover the costs for COVID-19 tests done in a clinical setting, but do not cover the purchase of at-home COVID-19 tests.
If you are a Cigna Medicare Advantage customer, you may want to order the free test kits the government is offering. Starting January 19, Americans are able to order tests online at COVIDtests.gov, and tests are expected to ship within 7-12 days of ordering.