A new study from the Kaiser Family Foundation finds six of the 13 top insurers currently have a direct coverage option, while seven are implementing the testing coverage mandate using only a mail-in or online reimbursement process.
The Kaiser analysis reviewed publicly available information between January 18, 2022 and January 20, 2022, and found:
- Seven insurers (Anthem, Blue Cross Blue Shield of Michigan, Blue Shield of California, Care First, Cigna, CVS Group/Aetna, and Kaiser Permanente) are currently relying on mail-in or online reimbursement practices; and
- Six insurers (Blue Cross Blue Shield of North Carolina, Centene/Ambetter, Health Care Service Corporation, Guidewell/Florida Blue, Humana, and United Health Group) have a direct coverage option through an in-network or preferred pharmacy.
Outlook: According to the report, the success of the policy hinges on two factors: the availability of tests and the ability of enrollees to navigate the reimbursement or direct coverage process. Despite recent efforts to increase supply of tests, it can still be challenging to find an at-home COVID test online and at pharmacies. If supply remains limited and tests are not widely available, a reimbursement or direct coverage mechanism does not do much to improve access.