Insurance Coverage for Rapid COVID-19 Testing

Insurance Coverage for Rapid COVID-19 Testing:

Self-Pay Patients

Patients without health insurance or who elect not to bill insurance (except Medicaid)

  • No prior telemedicine appointment required.
  • Patient can directly schedule Rapid COVID-19 testing
  • $150 fee, paid by patient, for cost of appointment and Rapid Test; Payment is required at time of scheduling

Insurance* No Cost Options

Blue Cross Blue Shield (Highmark, Federal, Out of State plans), Medicare, Tricare, Humana, and

  • Requires telemedicine appointment before scheduling Rapid COVID-19 Test
  • No cost to patient for either online appointment or Rapid COVID Testing


Personal Choice, Keystone Health Plan East, Independence Blue Cross, Amerihealth, Independence Administrators, Aetna, Cigna, United HealthCare (commercial)

  • Requires telemedicine before scheduling Rapid COVID Test
  • No cost to most patients for telemedicine appointment
  • $79 out of pocket cost to patient for Rapid COVID Test
  • Payment required prior to scheduling Rapid Test

Insurance* Non-Covered for Rapid COVID Test

Medicaid (Keystone First, Health Partners, Aetna Better Health, UHC Community Plan)

  • Generally, Rapid COVID-19 testing is not covered, but standard NAA testing is usually covered.
  • Medicaid patients may not pay out of pocket for Rapid COVID Testing
  • Generally, only NAA Test is covered under these health insurance plans
  • Requires telemedicine appointment before scheduling NAA COVID Test


All patients (other than self-pay patients) are required to schedule a telemedicine consultation with one of our providers before scheduling a Rapid COVID-19 Test.

Generally, all patients are entitled to receive a no cost NAA Covid-19 Test (NOT RAPID TEST), following a no cost telemedicine consultation, as most insurance companies have waived all deductible and copay costs.* Additionally, if you are uninsured, upon signing an attestation, the federal government will cover your costs for a NAA COVID-19 Test.

Terms and Conditions
Waiver Policy