COVID-19 Coverage

Updated September 2022

We’ve been with you through the uncertainties of COVID-19, and we remain committed to providing access to the care and coverage you need—when you need it most.

Vaccines & Boosters
Members are eligible for free COVID-19 vaccinations and booster shots following FDA guidance by age group. 

COVID-19 related treatments for vaccine-eligible members are subject to copays and cost-sharing, as defined in your plan documents.

If your dependent children are too young for vaccination—we've got you! Treatment will remain 100% free, including copays and cost-sharing, with the deductible waived, no matter which Sana plan you're on through March 31, 2022, or until the FDA approves vaccines for their age group.


All COVID-19 testing and services related to testing are 100% free for Sana members. Tests must be FDA-approved or qualify for Emergency Use Authorizations (EUA).

Lab Tests: All charges associated with providing tests are currently covered, including in-person or telehealth visits. This includes direct-to-consumer tests (home-collection lab tests) sent to be processed by a lab.

Over-the-Counter (OTC) Home Tests: Beginning January 15, 2022, OTC home tests for members and dependents are fully covered, with no cost-sharing, regardless of plan type. Members are eligible to be reimbursed for up to eight FDA-approved OTC home tests per plan member, per calendar month.

Select pharmacies now accept insurance for OTC COVID-19 test kits, including:

  • CVS
  • Rite Aid
  • Walmart
  • Elevate
  • Cardinal

If your pharmacy is unable to bill insurance for OTC COVID-19 test kits, please follow the steps below to submit a reimbursement request.

    1. Go to the Submit a Claim tab to start a new claim. 
    2. Enter the vendor name under Provider Name. (ex: CVS or Walgreens)
    3. Enter the vendor phone number under Provider Phone. (see receipt)
    4. Enter the purchase date under Service 1.
    5. Enter the name and quantity of tests under Service Code or Description.
    6. Enter the total charge amount and amount paid. This number should match.
    7. Upload a clear, itemized receipt showing the name of the test, date of purchase, and quantity.
    8. Confirm your info is correct, then click Finish & Submit Claim.

In most cases, reimbursements are processed and paid in under two weeks. Occasionally this can take 30-60 days. You will receive an email with an electronic check and instructions for direct deposit into your bank account. 

You can sign in to your Sana account and track your claim through the Medical Claims tab. 

Over-the-Counter (OTC) Home Test Notes & Restrictions

    • Reimbursement requests should not include mandatory testing required by businesses, for example, required testing as a condition of employment or to attend recreational events. See your plan documents for more information.
    • FDA-approved home tests currently include BinaxNOW, IHealth COVID-19 Antigen Rapid Tests, and others. Please verify FDA approval for the home test category before purchasing. Many times, FDA approval status is listed on the box of the home test kit. 
    • Shipping costs are excluded from reimbursement.
    • Bulk orders and multi-packs:
      • The number of individual tests per box count toward your monthly allowable limit. (example: a 2-pack counts as two tests)
      • If purchasing larger quantities for dependents, please submit individual claims for each family member, not to exceed eight tests per member, per calendar month.

If you have any questions please feel free to call us at (833) 726-2123 or send an email to