smokeybandit Posted January 10 Report Share Posted January 10 Of course this would just apply to Americans on the board. That'll help ease the cost burden a bit for cruising. https://www.hhs.gov/about/news/2022/01/10/biden-harris-administration-requires-insurance-companies-group-health-plans-to-cover-cost-at-home-covid-19-tests-increasing-access-free-tests.html Kirsten 1 Quote Link to comment Share on other sites More sharing options...
mook1525 Posted January 10 Report Share Posted January 10 So.. do we need to submit a reimbursement form to insurance company?? How exactly will they cover it? Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted January 10 Author Report Share Posted January 10 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. Quote Link to comment Share on other sites More sharing options...
Eggbert Posted January 11 Report Share Posted January 11 Nice for insurance companies. Quote Link to comment Share on other sites More sharing options...
Bart Posted January 11 Report Share Posted January 11 I didn't think the cruise lines accepted over-the-counter test. I thought they required proctored test which requires a prescription. Quote Link to comment Share on other sites More sharing options...
melmar02 Posted January 11 Report Share Posted January 11 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. Quote Link to comment Share on other sites More sharing options...
starbrat Posted January 11 Report Share Posted January 11 I work in private health insurance. I’ll keep you guys posted with what I hear. I have been at home with covid all week. Got my negative PCR results today and headed back in tomorrow. I’ll update on what I hear. Neesa, CFL, Shay and 2 others 1 3 1 Quote Link to comment Share on other sites More sharing options...
Tania Posted January 11 Report Share Posted January 11 I submitted mine to my insurance on 12/28. It's still processing. I'll keep you posted if it gets denied/approved. IRMO12HD 1 Quote Link to comment Share on other sites More sharing options...
Cameron Posted January 11 Report Share Posted January 11 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... WAAAYTOOO 1 Quote Link to comment Share on other sites More sharing options...
CruiseGus Posted January 11 Report Share Posted January 11 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. Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted January 11 Author Report Share Posted January 11 The Ag Card tests are OTC. You do not need to use a proctor to take the test. Just you can't use the results as anything other than peace of mind if you don't use the proctor. Quote Link to comment Share on other sites More sharing options...
starbrat Posted January 11 Report Share Posted January 11 7 hours ago, Tania said: I submitted mine to my insurance on 12/28. It's still processing. I'll keep you posted if it gets denied/approved. it doesn’t take effect till 1/15 saturday Quote Link to comment Share on other sites More sharing options...
starbrat Posted January 11 Report Share Posted January 11 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. Neesa and Linda R 2 Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted January 11 Author Report Share Posted January 11 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. Quote Link to comment Share on other sites More sharing options...
Riversong518 Posted January 12 Report Share Posted January 12 Watch the prices go up and availability get worse…. Sigh…. Up to 8 per person per month? It’s nearly impossible to find any in my area already, without people hoarding 8 at a time… Quote Link to comment Share on other sites More sharing options...
Baked Alaska Posted January 13 Report Share Posted January 13 Anthem BC/BS is only covering them if you are sick and they will only send you one test kit per person. Also, they will only send it if your sick. It is not for travel, etc. They will not cover it if you buy it on your own. Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted January 13 Author Report Share Posted January 13 1 hour ago, Baked Alaska said: Anthem BC/BS is only covering them if you are sick and they will only send you one test kit per person. Also, they will only send it if your sick. It is not for travel, etc. They will not cover it if you buy it on your own. That violates the executive order though Baked Alaska 1 Quote Link to comment Share on other sites More sharing options...
Cathyp Posted January 13 Report Share Posted January 13 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. Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted January 13 Author Report Share Posted January 13 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. Baked Alaska 1 Quote Link to comment Share on other sites More sharing options...
twangster Posted January 13 Report Share Posted January 13 14 hours ago, smokeybandit said: That violates the executive order though Not yet, but if they don't change their policy it will as of Saturday. Baked Alaska and WAAAYTOOO 1 1 Quote Link to comment Share on other sites More sharing options...
FoxMCO Posted January 13 Report Share Posted January 13 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. Baked Alaska 1 Quote Link to comment Share on other sites More sharing options...
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