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Over-the-Counter (OTC) At Home COVID-19 Test Kits

City of Milwaukee employees and family members are able to receive Over-the-Counter (OTC) FDA authorized at home COVID-19 Test Kits at little or no cost through the options below. Members should pay attention to the COVID-19 test expiration dates as they can vary and tests may only be good for a couple months.

Free Tests through the Federal Government

Every home in the United States is eligible to order 4 free at-⁠home COVID-⁠19 rapid antigen tests from the federal government. Orders usually ship in 7-12 days. These tests give results within 30 minutes (no lab drop-off required).

Self-tests can be taken at home or anywhere, are easy to use, and produce rapid results. You can use self-tests, regardless of vaccination status, or whether or not you have symptoms. Order tests at covidtests.gov.

Health and Pharmacy Plan Coverage for members enrolled in the City’s Health Plan

Beginning January 15, 2022, employees and family members enrolled in the City of Milwaukee's UnitedHealthcare health plan will have coverage for FDA authorized OTC at home COVID-19 diagnostic test kits purchased on or after January 15, 2022.  No prescription is required.  This at-home COVID-19 test benefit includes up to 8 tests per member per month.  The number of tests ordered will be monitored to ensure members are not exceeding the maximum allowed number of tests. 

Employees and their family members enrolled in the City's health plan have coverage for OTC COVID-19 tests through both UnitedHealthcare and Optum Rx.  Visit myuhc.com for more information about coverage through UnitedHealthcare and optumrx.com for additional information on coverage through the Optum pharmacy plan.  Members who submit a claim for reimbursement should ONLY submit the claim to either UnitedHealthcare or OptumRx never to both plans.

If employees have questions they should call the number on the back of their UHC insurance card.

How to Get OTC At Home COVID-19 Test Kits

1.  Visit an in-store pharmacy counter at a UnitedHealthcare Preferred Retailer

  • Current UnitedHealthcare Preferred Retailers include Walmart Pharmacy, Sam's Club Pharmacy, Walgreens (including Duane Reade), and Rite Aid Pharmacy (including Bartell Drugs).  UnitedHealthcare is working to add additional pharmacies to their COVID-19 test kit preferred retailers program.  View the most up-to-date list of the Preferred Retailers by visiting myuhc.com.
  • To use this benefit members must:
    • Purchase their OTC test kit at the preferred retailers in-store pharmacy counter
    • Show their UnitedHealthcare member id card
  • Members who visit a UnitedHealthcare Preferred Retailer and purchase the OTC test kit at the in-store pharmacy counter will not have any cost and will not have to submit documentation for reimbursement.
    • Members who purchase an OTC test kit at a UHC Preferred Retailer at a checkout other than the in-store pharmacy counter can still be reimbursed, but they will need to pay for the test kit upfront and submit a receipt for reimbursement.

2.  Visit any store or online retailer

  • Members who purchase an OTC COVID-19 test kit through other retailers are eligible for reimbursement up to $12 per test.
    • Many COVID-19 tests are sold as a 2-pack kit and would be reimbursed up to $24 for the 2-pack kit.
  • Members can submit a receipt for reimbursement online here or can also print a form to mail in for reimbursement here.

3.  Request at-home OTC COVID-19 test kits from the federal government

  • Each household can order a one-time shipment of 4 free OTC at-home COVID-19 tests shipped directly from covidtests.gov through the federal government. Learn more about this program at covidtests.gov.

Frequently Asked Questions - Purchasing Test Kits

1.  Is there a limit to how many tests will be covered?

Yes. Covered members can get up to 8 individual tests per month.  If the OTC test is sold as a 2-pack kit, that would count as 2 tests.

2.  What happens if I purchase OTC at-home COVID-19 tests at the front-of-store checkout of a Preferred Retailer or online instead of at the pharmacy counter?

If you purchase OTC at-home COVID-19 tests at a front-of-store checkout, you may submit your purchase receipt for reimbursement for a maximum reimbursement of $12 per test. Many OTC at-home COVID-19 tests are sold as a 2-pack, which means the test pack would be reimbursed up to $24 (up to $12 for each test).

3.  Can I purchase OTC at-home COVID-19 tests at a store that is not a Preferred Retailer?

Yes, covered members may purchase an FDA-authorized OTC at-home COVID-19 test at any in-store or online retailer. You may submit your purchase receipt for reimbursement for a maximum reimbursement of $12 per test. Many OTC at-home COVID-19 tests are sold as a 2-pack, which means the test pack would be reimbursed up to $24 (up to $12 for each test).

4.  How can I find out which Preferred Retailers have OTC at-home COVID-19 tests available?

Due to high demand, in-store associates cannot verify over the phone if COVID-19 tests are in stock.  Please be sure to check a Preferred Retailer’s website or mobile app to learn if tests are available before you visit an in-store pharmacy counter at one of the Preferred Retailers.  View the most recent list of preferred retailers on myuhc.com. UnitedHealthcare is working to continue to add more Preferred Retailers.

5.  Can I purchase an OTC at-home COVID-19 test that costs more than $12?

Yes. If you get an FDA-authorized test at an in-store pharmacy counter at a UnitedHealthcare Preferred Retailer, you won’t need to pay anything out-of-pocket. At any other location, you may purchase an FDA-authorized test, but you will only be reimbursed at a maximum of $12 per test.

6.  How many OTC at-home COVID-19 tests can be purchased at one time?

The plan will reimburse up to 8 tests every calendar month for each covered member under your plan. You may purchase up to 8 tests per covered member at one time unless other limits apply or as tests are available.

7.  Which OTC at-home COVID-19 tests are part of this program?

Any FDA-authorized or approved test is covered as part of the program. Typically, FDA-authorization is shown on the test packaging.

If employees have questions they should call the number on the back of their UHC insurance card.

Frequently Asked Questions - Reimbursement for Test Kits

1.  How do I submit a claim?

If you paid out-of-pocket for a test you purchased on or after January 15, 2022. Click here to submit a claim.

A separate claim must be submitted for each covered member. If you prefer, you can also print a mail-in form.

A copy of the receipt is required for any claims that are submitted.

2.  When can I submit my claim?

You can submit your claim now for covered tests purchased on or after January 15, 2022. Please submit your claim within one year of your purchase date. Reimbursement will be available through the end of the emergency health period.

3.  How will my reimbursement be sent?

You will be reimbursed via your preferred method — either direct deposit or mail — if you have previously made a selection. If you haven’t selected a preferred method, your reimbursement will be mailed to you.

4.  How long will it take to receive my reimbursement?

Typically, reimbursements are sent within 10-20 days. To help avoid delays, make sure you complete all requested information.

5.  How many OTC at-home COVID-19 tests can I get reimbursed for?

You can get reimbursed for up to 8 OTC at-home COVID-19 tests per covered member every calendar month. Some test kits contain 2 tests per kit. Both of those tests count toward the limit of 8 every calendar month. So, if you get 4 tests kits with 2 tests in each kit, that equals the 8 tests every calendar month.

6.  What if other items I purchased also appear on my receipt?

Only the cost of OTC at-home COVID-19 tests — at a maximum of $12 per test — will be reimbursed.

7.  Can I submit a photo of a receipt?

Yes.

8.  Can I submit for reimbursement for an OTC at-home COVID-19 test purchased before January 15 without a doctor’s prescription?

No.

9.  Do I need to get a doctor’s prescription for reimbursement for an OTC at-home COVID-19 test purchased after January 15?

No.

10.  Do I need to submit my COVID-19 test results in order to receive reimbursement?

No.

If employees have questions they should call the number on the back of their UHC insurance card.

 

 

 

City of Milwaukee Department of Employee Relations

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Milwaukee, WI 53202-3515


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