Right now, whether or not you pay upfront is determined by your insurance provider. The ideal situation allows those who need tests to purchase them from a provider within their insurance company’s network. This would provide an opportunity for people to pick up tests without incurring any out-of-pocket costs. The obvious benefit of this approach is that you don’t have to deal with submitting a reimbursement claim. Consumers should inquire with their plan or insurer about whether such a program provides immediate coverage of over-the-counter COVID-19 testing or whether they will need to submit a claim for reimbursement. Keep your receipt if your test is charged after January 15 and file a claim to your insurance carrier for reimbursement.