Is your insurer supplying home COVID-19 tests at no upfront cost?

Privately insured Americans no longer have to pay for home COVID-19 tests following a Biden administration rule that took effect last weekend. But there's a catch: Some insurers require members to first shell out their own money for the tests, which can be costly, and later seek reimbursement by submitting a claim. 

Seven of the nation's 13 largest private insurers, each covering at least 1 million members, have yet to establish networks of preferred pharmacies or retailers that supply the screening tools to Americans at no upfront cost. 

Instead, the following insurers rely exclusively on reimbursement systems to meet the new rule's requirements, according to an analysis from Kaiser Family Foundation, a nonprofit organization focused on national health topics.