COVID-19 Testing and Treatment

Review the Vermont Department of Health COVID-19 testing page for recommendations on who should get tested. While everyone can get tested, not everyone needs to. If you live in Vermont please call your provider and register for pop-up testing or at certain pharmacies.

Where can I get tested?

To locate a testing center, please refer to the Vermont Department of Health COVID-19 testing. Note if you live outside of Vermont, refer to the local department of health website for guidance and testing locations.  

I’d like to use at-home testing. What do I need to know?

Vermont department of health currently does not recommend that you get tested frequently or before visiting just to make sure you’re okay. If a you believe you should be tested for COVID-19, please call your provider.

Few at-home testing kits for the COVID-19 virus have become available through an FDA Emergency Use Authorization. Only FDA-authorized test kits are eligible for reimbursement.


Notes on at home test-kits:

Obtaining a reliable posterior nasopharyngeal specimen can be difficult. Results of tests for COVID-19 are dependent upon proper handling of these samples 

  • There have been reports of scams related to fraudulent at-home antibody testing. Visit our COVID-19 Scams and Fraud page for tips on how to keep yourself safe.
  • If you are considering purchasing at-home test, please talk to your health care professional first.
  • Please note, there are now approved, online FDA-authorized test kits. Please note you will be required to pay in full for the test kit and submit this to us for reimbursement.
  • Non-FDA authorized testing will not be covered.  For a list of FDA-Authorized kits, click HERE.

Diagnostic testing:

  • We will cover COVID-19 testing performed by the Centers for Disease Control (CDC), the Vermont Department of Health (VDH), or a laboratory approved by CDC or VDH, with no co-payment, coinsurance, or deductible requirements.
  • This coverage includes telephone triage, visits with your provider (including those over the phone), or urgent care visits and emergency service visits to test for COVID-19.

Waiving Out-of-Pocket Costs

To help keep Vermonters well during this time, we’re expanding our COVID-19 coverage by waiving the costs associated with diagnosis and treatment of acute COVID-19 beginning on March 13 through the duration of the state of Vermont emergency order. The health of Vermonters is our top priority.

Please note we do not cover COVID-19 testing that is billed to you as a line-item on a college, school, or workplace bill, or as any other facility line-item charge.

Inpatient treatment

  • We will cover medically necessary acute COVID-19 inpatient treatment with no out-of-pocket costs like co-payments, deductible or co-insurance requirements.

Outpatient

  • Outpatient care for acute COVID-19 is supportive in nature.
  • We will cover medically necessary acute COVID-19 outpatient treatment at your provider’s office and medically necessary supportive treatment at home as prescribed by your provider with no out-of-pocket costs like co-payments, deductible or co-insurance requirements.
  • At this time, there is no outpatient prescription drug treatment for COVID-19 that is supported by clinical guidelines.

Diagnostic testing:

  • We will cover COVID-19 testing performed by the Centers for Disease Control (CDC), the Vermont Department of Health (VDH), or a laboratory approved by CDC or VDH, with no co-payment, coinsurance, or deductible requirements.
  • This coverage includes telephone triage, visits with your provider (including those over the phone), or urgent care visits and emergency service visits to test for COVID-19.

Where can I get tested for COVID-19?

In Vermont, COVID-19 testing is available throughout the state. To learn more, please visit the Vermont Department of Health’s COVID-19 testing resource page.

If you are experiencing COVID-19 symptoms, even if they are mild, please call your health care provider.

  • If you see your provider for any other health care concern, and they test you for COVID-19, we will cover the COVID-19 test at no cost to you, but the office visit and all other procedures, services, and supplies will take cost share.

The state of Vermont is encouraging testing for health care workers, first responders, and childcare providers regardless of the presence of symptoms.

A COVID-19 test will tell you if you currently have a COVID-19 infection. It will not tell you if you were sick with COVID-19 in the past.

At-Home Antibody Testing:

Many people are curious about whether they have already been exposed to COVID-19. A growing number of at-home antibody tests are now being sold online. These tests claim to show whether you have been exposed to COVID-19, but most at-home antibody tests currently on the market are not approved by the FDA and do not offer dependable results.

  • Please be aware that these tests are highly variable in their quality and the results may not be accurate.
  • There have been reports of scams related to fraudulent at-home antibody testing. Learn more about COVID-19 scams and fraud, including tips for how to keep yourself safe.
  • If you are considering the purchase of an at-home antibody test, please talk to your health care provider first.
  • If you choose to purchase an FDA-approved at-home test, you must pay for it out-of-pocket and submit a claim for reimbursement.
  • We are not able to verify the FDA approval of a test, and we cannot reimburse you for any test that is not 100% FDA approved.
  • If you have questions about the reimbursement process for at-home antibody testing, please call our customer service team at (800) 247-2583.