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Frequent Questions

Over the counter COVID-19 Tests FAQ

All FDA-approved OTC COVID-19 tests are covered for US-based members. For members outside the US, FSBP will cover locally-approved OTC COVID-19 tests purchased at overseas locations at 100%.

No, coverage is available in the US, only with respect to the OTC COVID-19 tests, without an order or individualized clinical assessment from a health care provider.

For overseas requirements, please refer to local health authorities.

Yes. FSBP will cover a maximum of eight (8) tests per covered member per calendar month regardless of where the tests are purchased. This limit applies to enrollees as well as covered dependents. The eight-per-month limit applies to individual tests. If you purchase a multi-pack, each test in the pack counts towards the monthly limit, i.e. a 2-pack of tests counts as 2 tests.

Stateside members can purchase FDA-approved OTC COVID-19 tests from any available retail or online suppliers. Members will pay for the test at the time of purchase and will have to submit a claim to have FSBP reimburse them. 

Overseas members can purchase and claim reimbursement for OTC COVID-19 tests approved by local health authorities in their country of residence.

Please submit an itemized receipt through our online Member Portal showing the date of purchase, the store or supplier from which you made the purchase, and specific listing of the type and number of tests you purchased. Include in your submission a note detailing the quantity of tests purchased for each covered family member, e.g. 2 for Martin, 2 for Brittany, 6 for Emilio.

The fastest way to submit your claim is through our online Member Portal. Please use the new “Claims for COVID-19 Over-The-Counter Testing Kits” option and include the information and documentation detailed in the previous paragraph. We also recommend you sign up for electronic funds transfer (EFT) to receive your reimbursement as quickly as possible.

You can mail claims to the Plan. Please include the requested information.

At this time, the Plan will cover 100% of the cost of each test. We will not cover the cost of associated shipping charges.

Currently, FSBP is working with our pharmacy benefit manager Express Scripts (ESI) to offer stateside members the option of purchasing tests with no up-front cost. Once this program is in place, we will share the details and any changes to coverage.

Members with Medicare Part B as their primary medical insurance can submit OTC COVID-19 test claims directly to FSBP via the AFSPA Member Portal. The Plan does not require members to submit their claims to Medicare first or to submit a Medicare Summary Notice (MSN) showing a denial with their claim.

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"The representative who helped me was wonderful, knowledgeable, patient, understanding, and most importantly, interested in helping me. She stood right by me. I have successfully enrolled in Dominion and will also enroll in FSBP! Thank you for such great service!"
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"The representative who helped me was wonderful, knowledgeable, patient, understanding, and most importantly, interested in helping me. She stood right by me. I have successfully enrolled in Dominion and will also enroll in FSBP! Thank you for such great service!"
Satisfied Dental Member