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Involving insurance companies may also cause the price of tests to rise.

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“It’s going to have to work its way through that manual submission process, which could take weeks or a couple of months depending on volume,” Bagel said.

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But that is not likely to happen - the White House says most people will have to submit receipts to health plans. Nirav Shah, the director of Maine’s Center for Disease Control and Prevention, said the reimbursement model has the potential to work well as long as home tests are readily available and have their insurance charged immediately. Michael Bagel, director of public policy at the Alliance of Community Health Plans, told POLITICO that insurance companies support increasing access to medically necessary Covid-19 testing, but warned setting up a system for consumers to get reimbursed for at-home tests they buy will be operationally challenging for many payers. Spokespeople for major health insurers including Aetna and Blue Cross Blue Shield say their companies are awaiting guidance and will work with the administration on implementation. “They can go to their local pharmacy, they can order online and then get reimbursed.” “More than 150 million Americans on private health insurance will be able to submit receipts for at home tests directly to their health insurance plans,” he said.

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Jeff Zients, the White House Covid-19 coordinator, said Friday that the Biden strategy is “making at-home tests free to Americans.” Many specifics hinge on guidance the Health and Human Services, Labor and Treasury departments are due to publish by Jan. “We should not think for a minute that this is some sort of magic bullet that is going to get us to universally free and accessible testing,” said Sabrina Corlette, co-director of the Center on Health Insurance Reforms at Georgetown University’s McCourt School of Public Policy.









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