Personal Finance

Medicare to start covering the cost of at-home Covid tests in the spring

Key Points
  • The planned change means all Medicare beneficiaries will be able to get up to eight free tests per month.
  • In the meantime, there are ways to get free tests, including ordering them through a government website or picking them up at a Medicare-certified health clinic.
  • Lab tests also are free when ordered by an authorized health-care provider.
Frederic J. Brown | AFP | Getty Images

Medicare beneficiaries will be able to get free at-home Covid tests beginning early this spring, the government announced Thursday.

The initiative comes after Medicare was not part of a Biden administration mandate that private insurers cover the cost of over-the-counter tests — up to eight per month per enrollee. The planned change in coverage means all Medicare beneficiaries — including those on Advantage Plans — will be entitled to the same benefit.

About 63.3 million people are enrolled in Medicare. Most of the beneficiaries, 55.1 million, are age 65 or older, and the balance are generally younger with permanent disabilities. That population is among the groups at higher risk for severe illness from Covid.

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Retail prices for over-the-counter at-home Covid tests can range from as little as $10 to hundreds of dollars. Tests at laboratories can run considerably more. Under the mandate already in place, insurance companies are required to reimburse their enrollees at a rate of up to $12 per test (or the cost of the test, if less). 

While Medicare's coverage of the at-home tests won't start until spring, there are ways for beneficiaries to get free tests in the meantime.

For starters, you can order four for free through, a government website that launched last month. The site, which is available to all households, requires you to provide only your name and address; no insurance information is needed. 

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"That's an option that all Medicare beneficiaries can tap to get access to free at-home testing," said Juliette Cubanski, deputy director of the program on Medicare policy at the Kaiser Family Foundation.

Those eligible for the free kits can also pick them up at Medicare-certified health clinics and community health centers.

Enrollees in the Medicare Advantage Plan should also check to see if it already covers at-home tests, Cubanski said.

And, of course, beneficiaries can still access free testing outside their home at one of more than 20,000 testing sites where lab-based PCR tests, rapid PCR tests and rapid antigen tests are available.

Also, if a doctor or other authorized health-care provider orders it, there is no cost-sharing for the test. Otherwise, beneficiaries are allowed to get one lab test for free per year without a doctor's order.