With limited lead time, Mass. private health insurers create new COVID-19 test reimbursement systems

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The federal government says it’s 'strongly incentivizing' insurers to arrange a system where people can get tests with no out-of-pocket costs. But that isn't likely to happen right away in Massachusetts.

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Starting this week, there are several new ways to get rapid COVID-19 tests. You can order tests online through a government website, or get them covered by a private health insurer.. But a tight timeline means many insurers are still working out exactly how to comply with the administration's requirement, which will last for the duration of the federal public health emergency.

Both Tufts Health Plan and Harvard Pilgrim Health Care are telling members to save receipts for FDA-approved at-home COVID tests purchased on or after Jan. 15. Both providers say they will have a form online by Jan. 19 that members can print and submit for reimbursement. Blue Cross Blue Shield of Massachusetts has a similar reimbursement model, with an initial submission form. That form will be replaced on Jan. 23 once the insurer develops a new one.

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