The amount your insurance provider reimburses depends on a few different factors. For some, the entire cost may be covered if the tests are purchased through an in-network provider, which you can determine by contacting your insurance provider. However, if your insurance carrier has an established network and you purchase a test from a retailer that is outside of the network, then your insurer is only required to reimburse each test for up to $12. In the absence of a preferred provider network, insurers must reimburse individuals for the entire cost of the tests. In these circumstances, consumers who are privately insured must keep their receipts and present them to their insurance provider for reimbursement. This not only helps to further encourage the development of insurance-retailer networks but also incentivizes insurance companies to eliminate as many post-purchase claims as possible.