COVID-19 Coverage

Everything you need to know about your screening and testing options

Updated January, 19, 2023

SchoolCare and Cigna have taken steps to help participants with symptoms or exposure to COVID-19 find greater peace of mind with easier access to screening, testing, telehealth services, and behavioral health support.

What's my coverage?

Your plan will cover diagnosis, testing, and treatment associated with COVID-19, including:

  • COVID-19 diagnostic visits: SchoolCare is waiving out-of-pocket costs for COVID-19 visits with in-network providers, whether at a provider’s office, urgent care center, emergency room, or via virtual care, through the end of the federal public health emergency (PHE), currently extended through April 11, 2023.*
  • COVID-19 testing: SchoolCare is waiving out-of-pocket costs for COVID-19 FDA-approved testing through April 11, 2023.*
  • COVID-19 at-home tests: As of January 15, 2022, at-home, over-the-counter (OTC) diagnostic tests – up to eight per month per covered individual – will be reimbursed for all SchoolCare/Cigna medical plan participants through the end of the federal public health emergency (PHE), currently extended through April 11, 2023.* See below for more information.

*Diagnostic tests are covered for individuals with symptoms of a COVID-19 infection or who had exposure to someone with a suspected or confirmed COVID-19 infection, as well as for individuals before an elective hospital admission or procedure. Non-diagnostic and antibody tests are not covered by Cigna's standard coverage but may be covered as required by state law.

When should I check my symptoms?

It’s important to assess how you’re feeling each day. If you are experiencing symptoms you think could put others at risk visit the Cigna Coronavirus (COVID-19) Resource Center and take the symptom assessment to understand the appropriate next steps.

Where can I get tested?

If you are experiencing symptoms, your doctor is the best source to help you understand whether you need testing and what’s the best option for you. If your doctor isn’t aware of a convenient COVID-19 testing site, you can click here to learn more about testing centers and how to access testing from home.

How do I get reimbursed for over-the-counter test kits?

Beginning January 15, 2022, SchoolCare/Cigna medical plan participants can submit a reimbursement claim* for up to eight at-home, over-the-counter test kits per covered individual per month. Test kits may be purchased at any retailer either in person or online. Each test counts separately, even if a kit contains multiple tests. A single kit with eight tests counts as eight tests, not one, toward the quantity limit.

To submit a claim:

SchoolCare/Cigna medical participants may submit claims by mailing the documentation indicated below to the address on the back of their SchoolCare/Cigna ID card. The submission must include:

  • The purchase receipt documenting the date of purchase and the price
  • Signed, completed *claim form with attestation stating the test(s):
    • is not for employment purposes;
    • has not and will not be reimbursed by another source, and
    • is not for resale.

As always, for questions about benefits or coverage, visit or call 1-800-244-6224 for one-on-one access to assistance day or night.

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