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At-home covid tests now covered by insurance


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6 minutes ago, mook1525 said:

So.. do we need to submit a reimbursement form to insurance company?? How exactly will they cover it?

Based on the ruling, it all depends on how your insurance company approaches it.  Either submit for reimbursement or you buy them from your insurance company's preferred vendor.

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53 minutes ago, Bart said:

I didn't think the cruise lines accepted over-the-counter test. I thought they required proctored test which requires a prescription. 

Binax has an over the counter test that is proctored via video call - no Rx needed. It's not available at the drugstore and not valid for under unvaccinated under 12 since they would need a PCR. Royal Caribbean has a link to purchase on their website. 

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14 hours ago, melmar02 said:

Binax has an over the counter test that is proctored via video call - no Rx needed. It's not available at the drugstore and not valid for under unvaccinated under 12 since they would need a PCR. Royal Caribbean has a link to purchase on their website. 

From the Royal link - ie Optum  they are providing a Rx in the background that you never actually see, just like CVS and Walgreens do for tests. a test for cruises

Also Optum even back in Oct provides a statement / receipt that can be sent to your insurance.  eMed I have not seen one but really didn't look.

for me its to much hassle to jump through hoops for $30 a test for cruises to seek insurance reimbursment, i just consider it as Cost of Cruise.

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6 hours ago, Cameron said:

Just for laughs, I am reading that it is not covered by Medicare (no information on supplemental/advantage plans or part D).  Also when out of network reimbursement is only up to $12.00.  Binax-now $69.00 plus tax for two...

Wait till after 1/15 to look. It’s not in effect yet m. 

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7 hours ago, Cameron said:

Just for laughs, I am reading that it is not covered by Medicare (no information on supplemental/advantage plans or part D).  Also when out of network reimbursement is only up to $12.00.  Binax-now $69.00 plus tax for two...

The out of network $12 only applies if your provider offers them in network to begin with. Still lots of TBDs on how providers will navigate the ruling.

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36 minutes ago, Cathyp said:

The Binax test are Rx. That mean prescription. Insurance company’s are covering home tests not including the rx home tests. It’s the cost of cruising during a pandemic. 

The tests are OTC. You do not need a prescription to buy and take the tests.  The "prescription" is the proctoring part of it that's completely optional.

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I see a lot of fraud happening.  It could easily be manipulated.  Another way for the government to stick additional costs to private insurers, thus increasing the premiums.  8 tests a month per person?  That's almost $200 worth of testing, starts adding up quickly.

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