Benefits to Support You During the COVID-19 Outbreak

No-Cost COVID-19 Testing

Testing for COVID-19 is an important tool to help slow the spread of this highly contagious disease. If you experience symptoms or have been potentially exposed, in-person and at-home COVID-19 testing is covered at 100% through your Citi medical or prescription drug coverage in the following situations:

  • In-person testing: Visit an in-network provider or facility to have a health care professional evaluate you and administer a COVID-19 test, if recommended. The cost of testing will be covered by your medical plan. This test will typically be a PCR test, which is processed in a lab and provides results in one to three days. According to the CDC, results are reliable for people with and without symptoms.
  • At-home testing: Perform a rapid antigen test at home to diagnose possible COVID-19 infection. This test can be self-administered and results are typically available in 15 to 30 minutes. According to the CDC, results may be less reliable for people without symptoms; a follow-up test may be needed, with at least 24 hours between tests.

Effective January 15, 2022, the cost of up to eight FDA-approved at-home tests per covered family member, per 30-day period will be covered by your CVS Caremark prescription plan if you’re enrolled in an Aetna or Anthem medical plan option. It’s important to note that at-home tests may be sold in multi-test kits. For example, if you have purchased a kit containing two tests, you will be reimbursed for two tests and these two tests will count against your eight-test maximum purchase limit per 30-day period.

You do not need a prescription from your doctor to receive the OTC COVID tests. Tests purchased before January 15, 2022, are not eligible for reimbursement. (Note: If you’re enrolled in an HMO, your medical plan will provide coverage for at-home testing. Please call the member services number on your ID card or visit your medical plan’s website for more information.)

Getting your free COVID-19 tests:

  • If you buy tests at a participating in-network pharmacy such as CVS or Walgreens that can bill your prescription coverage directly, there will be no out-of-pocket cost to you for certain FDA-approved tests. For your convenience, you can check availability, provide prescription plan information and place an order on CVS.com or the CVS Pharmacy app. For walk-in service, go to the pharmacy counter where you fill prescriptions to ask about buying a no-cost test using your prescription coverage. More detailed instructions can be found in the FAQs below. Note: The CVS Caremark® Mail Service Pharmacy does not offer over-the-counter COVID-19 tests. However, your local pharmacy may offer options for having tests delivered to you. Keep in mind that any shipping or delivery charges are not covered.
  • If you buy tests from a non-participating pharmacy, store or online retailer that is not able to bill your prescription coverage directly, you will pay out of pocket and request reimbursement afterwards (up to $12 per test). It may take up to 30 days to process your request. If your request is approved, you will receive a check in the mail. Log in to www.caremark.com and look under “Plan & Benefits” for “Submit Prescription Claim” to find instructions on submitting your at-home COVID-19 test reimbursement claim. Or, complete and return this paper reimbursement form.
  • If you want to request free COVID-19 tests from the federal government, complete the online order form. Note: These tests do not count toward the maximum number of free tests allowed through your prescription or medical coverage.

Questions?

More detailed information can be found in the FAQs below. If you still have questions related to COVID-19 testing, visit the following links or call your Citi Health Concierge:

Note: This is a fluid situation and the information above may be subject to changes. Updates will be made when possible and appropriate. 

Frequently Asked Questions About COVID-19 At-home Test Reimbursement

Who is eligible for over-the-counter (OTC) COVID-19 test reimbursement?

  • Citi employees and family members covered by a Citi-sponsored health plan are eligible for reimbursement of OTC COVID-19 tests purchased without a prescription on or after January 15, 2022.
  • For Aetna and Anthem members, this new coverage will be managed through your prescription drug benefit with CVS Caremark.
  • For HMO members, please contact your health plan directly for guidance on how to use your at-home COVID-19 test coverage.

How many OTC COVID-19 tests are covered?

  • Beginning on January 15, 2022, your prescription drug benefit will cover up to eight OTC COVID-19 tests every 30 days for each person covered under your plan. The 30-day cycle will begin when you or a covered family member first purchases an OTC COVID-19 test. For example, if you purchased a test on January 17, 2022, you will be covered for a total of eight tests per plan member between January 17 and February 15, 2022. Going forward, you and your covered family members become eligible for eight more tests per plan member between February 16 and March 17, 2022, and so on. Note that if your covered spouse and/or child each buy a test independently, their 30-day cycle(s) would begin with the date(s) they each first purchased a test.
  • If you buy a package with multiple tests, each test in the package counts as a single test. If you purchase a testing kit that includes two tests, you would be limited to four kits (eight tests) per covered family member in the 30-day period.
  • You do not need a prescription from your doctor to get reimbursement for your at-home COVID-19 test purchases.
  • Keep in mind that if your doctor provides a prescription for you to take an at-home test, that test is covered in full and does not count toward the quantity limit of self-purchased tests discussed in this FAQ. There is no quantity limit on at-home tests prescribed by your doctor, but proof of a doctor's prescription is required for reimbursement, so make sure to submit both your COVID-19 test receipt and doctor's prescription when you file your claim.
  • Be mindful that OTC COVID-19 tests are in high demand in many places and supplies may be limited.
  • Some pharmacies may require that each person for whom you are buying an at-home COVID-19 test be present at the time of purchase. If that happens, your dependents may need to be present at the time of purchase to receive the allowed eight tests per covered family member every 30 days.

Can I submit an OTC COVID-19 test reimbursement claim to my Citi medical plan?

  • If you’re enrolled in a Citi-sponsored Aetna or Anthem health plan, your OTC COVID-19 tests will be covered through the pharmacy benefit with CVS Caremark. You cannot submit a claim directly to Aetna or Anthem.
  • If you’re enrolled in a Citi-sponsored HMO, your OTC COVID-19 tests will be covered through your medical benefit. Please contact your HMO plan for more details.
  • If you’re not covered by a Citi-sponsored health plan (for example, if you’re covered by your spouse’s plan), you will need to contact your health plan directly for more details on the OTC COVID-19 test benefit.

Do I need to get a doctor’s prescription for reimbursement for an OTC COVID-19 test purchased after January 15, 2022?

  • No, a prescription is not required for reimbursement of tests purchased after January 15, 2022 (up to eight tests every 30 days).
  • Tests purchased before January 15, 2022, are not eligible for reimbursement unless you have a doctor’s prescription for the test.

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

  • No, test results do not need to be submitted.

How do I get reimbursed? How long will it take?

If you pay out of pocket for your at-home COVID-19 tests, you can request reimbursement online at www.caremark.com or by submitting a paper reimbursement form. The information you will need to provide includes:

  • Your mailing address (to send your reimbursement check)
  • The number and type of tests you bought
  • Where you bought the tests
  • A copy of your receipt dated January 15, 2022, or later

You will also need to check a box indicating that you purchased the OTC COVID-19 tests for the purpose of diagnosing a possible COVD-19 infection for you or your covered family members. You will not be reimbursed for OTC COVID-19 tests purchased for employment purposes or resale, or if you are reimbursed from another source.

To submit a reimbursement request online:

  • Log in to your CVS Caremark account on www.caremark.com.
  • Hover over “Plan & Benefits” in the top menu and select “Submit Prescription Claim.”
  • Click on “Submit at-home COVID-19 test reimbursement claim.”
  • Follow the prompts to complete the claim submission process.

You’ll get a response to your request within 30 days. If your reimbursement request is approved, a check will be mailed to you.

How much can I expect to be reimbursed per OTC COVID-19 test?

  • The reimbursement limit is a maximum of $12 per test, or the amount you paid for the test if it is less than $12, subject to the eight-test maximum per person, per 30 days.
  • If you buy a package that contains multiple tests, the maximum reimbursement would be $12 per test. For example, a package of two tests would be reimbursed up to a maximum of $24.
  • This may result in out-of-pocket expenses to you depending on what you paid for the test.

What if I purchased other items with my OTC COVID-19 test and those items appear on my receipt?

  • It’s okay to submit a receipt with multiple items on it. Only the cost of the OTC COVID-19 test will be reimbursed.

Can I buy tests without having to pay anything at the time of purchase?

  • Yes. If you buy an OTC COVID-19 test at a participating in-network pharmacy (CVS, Walgreens, etc.) that can bill your prescription coverage directly, there is no out-of-pocket cost to you for certain tests (as long as each test does not cost more than $12).
  • For your convenience, you can use the CVS website or CVS Pharmacy app to find the nearest pharmacy that can bill your prescription coverage directly and has tests available. You will be able to confirm your coverage and place an order online. To begin, click or tap on “At-home COVID-19 tests,” and then select “Request at-home tests” under “Get tests paid for up front.”
  • When your order is ready, you will receive a confirmation from CVS Pharmacy, and your order will be waiting at the front store register. (Online orders cannot be picked up at the drive-thru.)
  • To purchase a test without pre-ordering online, go to the pharmacy counter where you fill prescriptions (not the front register) to have your coverage confirmed. If the pharmacy is able to bill your prescription coverage directly (not all in-network pharmacies can), you will be able to buy certain tests at no cost.
  • While all FDA-approved OTC COVID-19 tests are eligible for reimbursement, only certain tests can be bought for $0 at the point of purchase using direct billing through your prescription benefit. These tests include:
    • FLOWFLEX COVID-19 AG HOMETEST
    • ON/GO COVID-19 ANTIGEN SELF-TEST
    • BINAXNOW COVID-19 AG CARD HOME TEST
    • INTELISWAB COVID-19 RAPID TEST
    • QUICKVUE AT-HOME COVID-19 TEST
  • Be assured that all FDA-approved OTC COVID-19 tests are eligible for reimbursement, even if they aren’t eligible for direct billing ($0 at the point of purchase).
  • If you purchase a test that isn’t listed above, you will need to pay at the time of purchase and submit a claim for reimbursement afterwards. Refer to the information in the “How do I get reimbursed? How long will it take?” question above.
  • Some pharmacies, including in-network pharmacies, may not have the ability to bill an OTC COVID-19 test through your prescription coverage without a doctor’s prescription. If you buy an OTC COVID-19 test at a pharmacy that is unable to bill your insurance directly or through another retailer or website, you will have to pay for the test and then request reimbursement through CVS Caremark.

Why is my pharmacy saying they can’t process OTC COVID-19 test purchases under my prescription benefit plan?

  • Some pharmacies may not be able to process claims for OTC COVID-19 tests at the pharmacy counter. If this happens, you can pay for the test, then submit a request for reimbursement afterwards.
  • To find a participating pharmacy and check test availability in advance, visit CVS.com or the CVS Pharmacy app.
    • Click or tap on “At-home COVID-19 tests.”
    • Under “Get tests paid for up front,” click on “Request at-home tests.”
    • Answer “No” to the question “Are you a Medicare or Medicaid member?”
    • Select the number of at-home tests you need.
    • Enter your ZIP code or city and state to search for the nearest location with tests in stock.
    • Select the store you want to order from.
    • Log in to your CVS account or create an account to continue with your order.
  • After placing your online order, you will be notified when the tests are waiting for you at the front store register. No payment will be due when you pick up your order. Your prescription coverage will be billed directly. (Online orders cannot be picked up at the drive-thru.)

I went to an in-network pharmacy and tried to purchase an at-home test with no upfront cost using my insurance but was told I needed a doctor’s prescription. What should I do?

  • Certain retail pharmacies are currently in the process of updating their administrative processes to comply with new requirement to cover the cost of at-home tests without a doctor’s order.
  • If you ask to have a pharmacy bill your coverage directly and are denied, you should pay out of pocket and use the claims submission process outlined in the question called “How do I get reimbursed? How long will it take?” to submit your claim.

Can I order tests through mail-order?

  • CVS Caremark® Mail Service Pharmacy does not carry OTC COVID-19 tests. However, your pharmacy may offer shipping options to allow for delivery of COVID-19 tests.
  • Please be advised that extra fees or delivery charges are not reimbursed, so we encourage you to obtain the tests in person.
  • You can order tests online for convenient in-store pick up. Review the information in the “Why is my pharmacy saying they can’t process OTC COVID-19 test purchases under my prescription benefit plan?” question above.

Are Polymerase Chain Reaction (PCR) tests covered under an OTC COVID-19 test reimbursement claim?

  • Lab-based PCR home collection kits are not covered at this time.

How else can I get free at-home COVID-19 tests?

  • To make getting test kits easier, the Biden administration is making free OTC COVID-19 tests available through the federal government.
  • Visit www.covidtests.gov to learn more and request to have your free OTC COVID-19 tests mailed to you at no cost.

Note: This is a fluid situation and the information above may be subject to changes. Updates will be made when possible and appropriate.

COVID-19 Vaccination

Everyone age 5 and older is eligible for the COVID-19 vaccine, and Citi is committed to supporting your vaccination. We encourage our employees and their family members to get vaccinated, as it is the best way to limit the spread of COVID-19 and keep you, your family and your community healthy. Please consult with your doctor if you have medical concerns about receiving the vaccine.

The COVID-19 vaccine is provided at no cost to you, regardless of whether you are enrolled in a Citi medical plan. To find a vaccination center near you, visit vaccines.gov or schedule an appointment at a CVS near you.

If you are scheduled to get your vaccine during work hours, talk with your manager, who will provide you with paid time off for your appointment. If you don't feel well the day after your vaccine and are unable to work, please contact your manager for guidance.

Learn more on Citi.net (intranet only) >

Citi Health Concierge

If you need support but are unsure where to begin during this uncertain time, call your Citi Health Concierge, who can provide personalized support and guide you to the right resources when you need them.

Telehealth

Speak with a board-certified doctor 24/7 by phone or video for a diagnosis on minor, short-term issues, such as a fever or the flu. While costs vary based on your medical option, they will likely be lower than a visit to the doctor's office.

Mental Health Support

Your emotional well-being is just as important as your physical health. If you are feeling anxious or stressed, speak confidentially with a counselor anytime, 24/7, through Citi’s Be Well Program at no cost to you, or use BetterHelp to access professional therapy by phone, video, chat or text messaging. These programs are also open to family members and your household occupants at no cost.

During the COVID-19 outbreak, you can access additional resources through the Be Well Program, including a webinar designed to help you manage your stress around the pandemic and tips on caregiving, along with a summary of federal resources.

Sleep Improvement

Getting a good night’s sleep can help, especially if stress or anxiety is keeping you up at night. Sleepio can help with proven techniques developed from more than 35 years of research.

Learn more >

Health Savings Account (HSA), Health Care Spending Account (HCSA) and Limited Purpose Health Care Spending Account (LPSA) Updates

As part of the Consolidated Appropriations Act and CARES Act, you have more flexibility in how you use your HSA/HCSA/LPSA, including:

  • Expanded list of eligible HSA and HCSA expenses: You can now use your HSA or HCSA for an expanded list of eligible health care purchases, including over-the-counter drugs or medicines without a prescription and menstrual care products. You can access a detailed list of eligible expenses and connect to your HSA or HCSA by clicking on “TRIP and Spending Accounts” under “Want to Get to Our Best in Class Vendors Fast?” in the upper right hand corner of My Total Compensation and Benefits.
  • Expanded list of eligible LPSA expenses: You can now use your LPSA for an expanded list of eligible dental and vision care purchases, including over-the-counter drugs or medicines without a prescription for dental and vision care. You can access a detailed list of eligible expenses and connect to your LPSA by clicking on “TRIP and Spending Accounts” under “Want to Get to Our Best in Class Vendors Fast?” in the upper right hand corner of My Total Compensation and Benefits.

Under new IRS provisions, you can also use your HSA, HCSA or LPSA for COVID-19 personal protective equipment, such as masks, hand sanitizer and sanitizing wipes. You will need to manually reimburse yourself for these purchases by submitting a claim.

Please note, an LPSA can only be used for preventive medical, dental and vision care expenses. 

Dependent Day Care Spending Account (DCSA) Updates

As part of the Consolidated Appropriations Act, you are able to roll any unused funds from your Dependent Day Care Spending Account from the 2021 calendar year over into 2022.

For more information, refer to the Summary of 2022 COVID Relief Measures Available to Citi Employees.

Transportation Reimbursement Incentive Program (TRIP) Updates

You can change, suspend or cancel your TRIP account at any time. If you have questions, contact Optum Financial through ConnectOne at 1 (800) 881-3938.

Learn More >

Navigating Cancer During the COVID-19 Outbreak

Citi is partnering with MSK Direct to bring you helpful information about COVID-19 and cancer that aligns with recommendations from public health organizations. All Citi employees and their family members have access to cancer support services from MSK Direct, as well as Included Health, an expert medical opinion service that connects members with top doctors and specialists for diagnosis and treatment support.

Family Support Resources

If you find yourself needing extra support at home during this difficult time, contact Bright Horizons. You have access to up to 20 days of back-up, in home or center based care, as well as an array of educational solutions, including resources for at-home learning at all ages.

Financial Resources

Citi offers financial resources that can support you during this uncertain time.