We have good news: you have two ways to access at-home COVID-19 tests at no cost to you.

First, you can request rapid at-home COVID-19 tests online at covidtests.gov. The program now allows you to submit two separate requests for four free tests per residential address, for a total of eight tests.

Additionally, many over-the-counter (OTC) COVID-19 tests* are now covered at 100% for team members and their eligible dependents through their CVS Caremark prescription drug coverage. This prescription coverage is included with all American medical options, and each eligible participant can be reimbursed for up to eight individual tests every 30 days.

* The tests must be authorized by the U.S. Food and Drug Administration (FDA) under an Emergency Use Authorization (EUA). The list of at-home tests included in the EUA is available on the FDA website.

How to purchase tests at no cost


  1. On CVS.com, shop At home COVID-19 tests>Get tests paid for up front.
  2. Answer the questions about Medicare or Medicaid coverage.
  3. Enter the number of tests you want to purchase.
  4. Enter your mailing address ZIP code to find the closest pharmacy with available tests. Pharmacies located inside Target or Schnucks are not part of this program.
  5. Sign in or create an account with CVS Pharmacy (this is different than your CVS Caremark account).
  6. Enter the required information about whether the tests are for you or a covered dependent.
  7. Provide the information from your CVS Caremark member card and complete your order.
  8. When your order is ready, CVS will email or text you. After arriving at the store, see any CVS cashier and provide your name and confirmation code to pick up your test(s).
    • Tests are not available at the pharmacy drive-through window.
    • Orders not picked up within 72 hours will be canceled.



  1. Find an in-network pharmacy near you by signing into your CVS Caremark account. If you haven’t created an account yet, now is a great time to do so.
  2. Find an OTC COVID-19 test* and purchase it at the pharmacy counter.
  3. Request that the pharmacy bill CVS Caremark under the prescription coverage benefit provided through all American medical plans. The easiest way to do this is to show the pharmacy your CVS Caremark member card.
  4. The OTC COVID-19 test* will be covered at 100% when purchasing at the pharmacy counter with your prescription insurance.

*Only certain OTC COVID-19 test kits are covered at 100% when purchasing at the pharmacy counter using your prescription benefit. Bulk test kits (i.e., 25 tests per kit) are not covered. The list below is subject to change.

ManufacturerLabel Name
AconFlowflex COVID-19 AG Home Test
Access BioOn/Go COVID-19 Antigen Self-Test
Abbott Diagnostics ScarboroughBinaxNOW COVID-19 AG Card Home Test
Orasure TechnologiesInteliswab COVID-19 Rapid Test
QuidelQuickvue At-Home COVID-19 Test



  1. Purchase an OTC COVID-19 test** from your retailer of choice (CVS, Walmart, Amazon, etc.).
  2. Save your receipt, then go to caremark.com to submit a reimbursement claim. Your receipt must show:
    • Name of test.
    • Store name.
    • Date of purchase.
    • Purchase price.
    • Number of tests.
  3. You can attach a photo of your physical receipt or upload a digital receipt.
  4. You’ll receive a response to your reimbursement request within 30 days. If your reimbursement request is approved, a check will be mailed to you.

** While we don’t currently have a list of eligible tests, the federal government’s current guidelines define tests as eligible if they are bought without a prescription and you can administer the test and read the results yourself, without the help of a health care provider. Tests must also be single-use, cartridge-based tests that don’t require a machine or mobile app to get results.

Frequently asked questions

How do I know if my OTC COVID-19 test is approved by the FDA under an EUA?

Please visit the FDA website to determine if a test has an EUA by the FDA. Authorization can be added or revoked by the FDA, so we recommend you check the website prior to any purchases to ensure the test is eligible for reimbursement.

Can I get reimbursement for eight boxes if there are two tests per box?

No, you can only get reimbursed for a total of eight tests. If there are two tests per box, you can be reimbursed for four boxes every 30 days.

If my spouse, domestic partner or children are enrolled in one of American’s self-funded medical plans, can their tests be reimbursed as well?

If you, your spouse or domestic partner, and your children are enrolled in one of American’s self-funded medical plans, you can be reimbursed for up to eight tests per person per 30 days. So if those enrolled are you, your spouse and one child, you would be eligible for 24 individual tests during a 30-day period. You will need to submit a reimbursement request for each participant in the plan. For example, three participants will need three separate reimbursement requests — one request under each plan participant’s name.

What if I am not covered under an American self-funded plan or HMO?

Please contact your current medical insurance provider for more information on their requirements and process.

What if I’m unable to locate any OTC COVID-19 tests to purchase?

At this time, the demand for OTC COVID-19 tests is outpacing the supply. We encourage team members to check covidtests.gov, where there are several resources available.

What if I test positive for COVID-19?

If you test positive, please stay home and contact your health care provider.

What if I test negative but have symptoms of COVID-19?

If you have symptoms of COVID-19 and test negative using an at-home test, please contact your health care provider.

Can I take advantage of both the free tests from the U.S. government and my CVS Caremark prescription benefit that covers tests at 100%?

Yes, you can use both avenues to get free at-home COVID-19 tests. First, you can access the up to eight free tests per residential address here.

Second, through the prescription benefits coverage included with all American medical plans, you can purchase at no cost (or be reimbursed for after purchasing out-of-pocket) up to eight tests per covered dependent per 30 days. Taking advantage of the four free tests does not disqualify you from accessing American’s prescription benefit coverage for COVID-19 tests and vice versa.