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Utah Insurance

How to Get Your Free COVID-19 Tests

Using Your Health Insurance

As of January 15, 2022, a new federal policy under the Families First Coronavirus Response Act (FFCA) requires health insurers to cover up to eight over-the-counter (OTC) COVID-19 tests per month with no clinical assessment or up-front cost for each covered member, if the tests are purchased on or after that date.

Consumers should check with their health insurer about direct coverage options through a preferred pharmacy or direct-to-consumer shipping program.

Health insurers that arrange for pharmacies and other retailers to cover the up-front costs of these tests will only be required to reimburse up to $12 per test (or the full cost of the test, whichever is lower) if the test is purchased through an out-of-network provider. In these cases, a consumer may need to provide a copy of the receipt. If tests are temporarily unavailable through direct coverage options due to a supply shortage, and insurer may continue to limit reimbursement to $12 per test (or the full cost of the test, whichever is lower) for OTC COVID-19 tests purchased outside of the direct coverage program.

A health insurer may limit coverage of OTC COVID-19 tests purchased without the involvement of a health care provider to tests purchased from established retailers typically expected to sell OTC COVID-19 tests. Tests purchased from a private individual, online person-to-person, or an online resale or auction marketplace may not be covered. The only OTC COVID-19 tests that must be covered are tests authorized for use by the Food and Drug Administration (FDA) that can be obtained without a prescription, used and processed without a laboratory, and purchased.

It is important to note that a flex spending account (FSA) or health savings account (HSA) may not provide reimbursement for an OTC COVID-19 test that was paid or reimbursed by an insurer.

Insurers are permitted to take reasonable steps to prevent, detect, and address fraud and abuse.

For more information, please go to

Free From the Federal Government

For Everyone:

You can also order four free rapid antigen at-home tests per household directly from the federal government. Test kits will be shipped through the US Postal Service starting in late January.

No insurance is required to get these tests.

You can sign up to get yours at

For Medicare Beneficiaries:

Beginning April 4, 2022, and until the end of the public health emergency, Medicare will cover over-the-counter self-administered COVID-19 tests at no cost to beneficiaries if you have Medicare Part B, including those enrolled in a Medicare Advantage plan. This is in addition to the eight free at-home tests you can continue to order per month from the federal government at You can get OTC COVID-19 tests at any pharmacy or health care provider that participates in this initiative. Check with your pharmacy or health care provider to see if they are participating. You can find list of eligible pharmacies and other health care providers at

Because additional eligible pharmacies and health care providers may also participate, people with Medicare should check with their pharmacy or health care provider to find out whether they are participating.

Please note that Medicare won’t cover OTC COVID-19 tests if you only have Medicare Part A (Hospital Insurance) coverage, but you may be able to get free tests through other programs.

Additional information may be found at and

Notice of Company Applying to Become a Utah Certified Reinsurer

December 15, 2021 — Fidelis Underwriting Limited an England insurance company has applied to become a Certified Reinsurer in the State of Utah. If you have any questions or concerns please contact Jay Sueoka with the Utah Insurance Department at (801) 957-9253 or by email at no later than January 24, 2022.

Utah PMN Posting

Insurance Department Distributes $25 Million to Arches Claimants

Providers have been waiting for liquidation process to run its course

Insurance Commissioner Jon Pike, acting as liquidator of Arches Mutual Insurance Co., by and through his special deputy liquidator Stillman Consulting Services LLC, is pleased to announce that checks are being sent to Arches’ medical providers for 100% of their approved claim amounts. In all, 1,997 checks are being cut to disburse $25 million to medical providers.

“This is great news for medical providers who have had outstanding claims with Arches for the past six years,” said Commissioner Pike. “Litigation with the federal government has taken a long time, and I am pleased that we’re finally able to make this distribution.”

Further payments to other claimants are forthcoming, pending verification and court approval of their claim amounts. More information about the Arches liquidation is available at


Press Release
Insurance Department Distributes $25 Million to Arches Claimants

Insurance Scammers & Cybercrime: On the Rise

Awareness is your best defense against insurance scammers and hackers who want to steal your information.

Most cybercrimes involve identity theft. Criminals steal personal information to hack accounts and access funds. Identity theft can lead to insurance fraud. Here are come common scams.

Phishing — Scammers impersonate legitimate entities using malicious emails and texts to trick you into giving them your sensitive information. If you suspect a phishing attack, contact the proper entity directly to verify the request is real.

Formjacking — Cyber scammers hack a legitimate website to steal user information. Each time a customer fills out a form, a duplicate of the entered information is sent to the scammer. Contact the company if you supect formjacking.

False Quizzes — Swindlers use surveys and quizzes to pry loose personal data. Launching a quiz app may give permission to pull information from your social media profile or phone, giving hackers an opening to steal your identity.

Public Wi-Fi — Using public Wi-Fi at coffee shops, libraries, or other locations puts you at risk for having information stolen. Avoid storing sensitive information on your phone and never share personal information over public Wi-Fi.

If you become the victim of a scam or suspect fraud, report it. You can report insurance scams and fraud to the Utah Insurance Department at

You can also report scams to other government agencies at:

Description of cyber crime and insurance scams

Insurance Scammers & Cybercrime: On the Rise

Telemedicine: Safe Steps for Patients

Covid-19 is spurring telemedicine growth. Plan ahead, stay alert, and be aware of costly scams.

Verify Coverage — More insurers are covering telemed, but verify coverage before setting your appointment.

Telemed App — Learn how your telemed app or online portal works, and test it before you use it.

Quiet Area — Set up in a quiet area with good lighting, and make sure your device is plugged in or charged.

Prescriptions — Have your prescriptions ready so you can discuss them accurately.

Refuse Strangers — Scammers try to lure you with “free” exams by doctors you don’t know. They steal your ID and insurance and may falsely bill you too.

Fishy Charges — Check for bogus charges, like a 30-minute session that was billed as an hour.

If you suspect that you’re a victim of telemedicine fraud, report it safely, easily, and anonymously at

Description of telemedicine and its potential scams

Telemedicine: Safe Steps for Patients

Notice of Company Applying to Become a Utah Certified Reinsurer

April 14, 2021 — Chubb European Group SE, an insurance company from France, has applied to become a Certified Reinsurer in the State of Utah. If you have any questions or concerns, please contact Jay Sueoka with the Utah Insurance Department at (801) 957-9253 or by email at no later than May 25, 2021.

Utah PMN Posting

2021 Special Enrollment Period in Response to the COVID-19 Emergency

The Department of Health & Human Services (HHS) has announced a Special Enrollment Period (SEP) for individuals and families to shop for Marketplace coverage in response to the COVID-19 Public Health Emergency. This SEP will allow individuals and families in states with Marketplaces served by the platform to enroll in 2021 health insurance coverage.

Beginning February 15, 2021 and running through May 15, 2021, the Marketplace will be open to make this SEP available to all Marketplace-eligible consumers who are submitting a new application or updating an existing application.

Visit to enroll in coverage starting Feb. 15, 2021.