At-Home COVID-19 Tests

Over-the-counter (OTC) diagnostic tests authorized for emergency use, cleared, or approved by the U.S. Food and Drug Administration (FDA) are covered at 100% with no out-of-pocket cost at HWMG’s preferred pharmacies (currently Bartell Drugs, Kinney Drugs, Rite Aid, Sam’s Club, Walgreens and Walmart) for HMAA and Charter participants with medical or prescription coverage. Be sure to present your member ID card at the pharmacy counter and ask to have your purchase submitted to your health plan.

Alternatively, you may purchase these tests at an online retailer or pharmacy other than HWMG’s preferred pharmacies and be reimbursed at the lower of your cost or $12 per test.

  • HMAA and Charter participants: Visit to learn more or to submit a reimbursement request. You must submit your claim within one year of purchase. Reimbursement will be available for purchases made through the end of the public health emergency.
  • Hawaii Electricians participants: Contact HWMG or your plan administrator regarding reimbursement.

Our clients’ health plans cover up to 8 OTC tests per member per calendar month without the need for a healthcare provider’s order, clinical assessment, or other medical management requirements; and at no out-of-pocket cost.

If ordered or administered by a healthcare provider, there is no limit on the number of tests covered.

The U.S. Department of Labor published FAQs about the Families First Coronavirus Response Act (FFCRA) and Coronavirus Aid, Relief, and Economic Security (CARES) Act. View FAQs.

HWMG continues to closely monitor developments, and we will provide updates as more information becomes available. For further assistance, contact Customer Service.

Request Reimbursement

This notice was last updated on September 6, 2022.