COVID-19 Testing

COVID-19 testing is still important. Learn about when you need to get tested, what is covered, and convenient options for testing.

A female healthcare professional gives instructions to a male colleague as they work at a COVID drive through testing site.

If you have symptoms of coronavirus (COVID-19), call your doctor. Based on the details of your symptoms, your doctor will let you know whether it’s recommended that you get tested. If you are fully vaccinated, check the most up-to-date CDC guidance for information on testing. Talk to your doctor if you’re not sure.

If you go to an in-network doctor or provider to get tested for the coronavirus (COVID-19):

  • Your diagnostic test and in-person visit to diagnose COVID-19 will be covered by your plan. There will be no cost-sharing, including copays, coinsurance, or deductibles.
  • CVS Pharmacy Minute Clinic® offers no-cost COVID-19 testing by appointment throughout the region. Visit their COVID-19 testing page to schedule a test.
  • AdvantageCare Physicians takes care of the whole you, including testing for COVID-19. To learn more, visit ACPNY’s COVID-19 testing page.
  • Ready (also known as Ready Responders) offers no-cost, same-day, in-home rapid testing with trained health care professionals. If you feel sick or may have been exposed, they’ll send a Responder right to your home or preferred location where you feel safe. No waiting rooms, lines, or drive time. Book a test at getready.com.

    Ready offers testing in Manhattan, Brooklyn, Queens, the Bronx, Westchester, and Nassau Counties.*

    *Ready does not currently offer testing outside of these New York City boroughs. No-cost testing is in accordance with Federal and State waivers guidelines.

If you go to an out-of-network doctor or provider to get tested for the coronavirus (COVID-19):

  • Your diagnostic test and in-person visit to diagnose COVID-19 will be covered by your plan. This includes any doctors outside of our network. There will be no cost-sharing, including copays, coinsurance, or deductibles. Treatment should still be obtained at a facility in our network, unless it is an emergency. If you are admitted to a facility not in our network, your treatment may NOT be covered by your plan. All normal coverage restrictions and cost-sharing charges will apply for care or treatment, including inpatient hospital admissions. Some plans do not cover out-of-network services, so this could include the total cost for services.

If you go to the emergency room to be tested for COVID-19:

  • Your diagnostic test and visit to diagnose COVID-19 will be covered by your plan. There will be no cost-sharing, including copays, coinsurance, or deductibles. Services you get for an emergency room visit will always be covered, if you are admitted to the hospital.

Food and Drug Administration (FDA) approved COVID-19 home tests that you buy at a pharmacy or store without a prescription or order from a licensed health care professional are not covered by your plan. Most health insurance plans do not cover COVID-19 tests for reasons other than diagnosis or treatment by a health care professional.  For example, tests conducted for return to work purposes or travel are generally not covered. 

Testing for return to work or school, travel, or other recreational activities is not covered by your plan. EmblemHealth continues to cover medically appropriate FDA-authorized COVID-19 tests if your doctor thinks you may have COVID-19 or you were exposed to COVID-19 and orders the test. You will not have any cost-sharing, including copays, coinsurance, or deductibles for covered tests. If you’re not sure if your test will be covered, call us at the number on the back of your ID card. 

Get tested when and where you need it. We’ve worked with Ready (also known as Ready Responders) to offer no-cost, same-day, in-home rapid testing with trained health care professionals. If you feel sick or may have been exposed, they’ll send a Responder right to your home or preferred location where you feel safe. No waiting rooms, lines, or drive time.

Ready offers testing in Manhattan, Brooklyn, Queens, the Bronx, Westchester, and Nassau Counties. Your rapid test won’t cost you anything, and you’ll never receive a bill from Ready.*


Book a test at getready.com or call 504-370-9966. Their hours are 8 a.m. to 8 p.m., seven days a week (including holidays). Have your ID and insurance information ready.


*Ready does not currently offer testing outside of these New York City boroughs. No-cost testing is in accordance with Federal and State waivers guidelines.

If your doctor or licensed health care professional sends you to get your antibodies checked for COVID-19 because it is clinically indicated, your visit and FDA-authorized test will be covered. There will be no cost-sharing, including copays, coinsurance, or deductibles.

We encourage our members to use Quest Diagnostics for their testing. Quest is EmblemHealth’s in-network, preferred lab and testing provider.

Antibody testing for return to work or school, travel, or other recreational activities is not covered by your plan. EmblemHealth only covers non-diagnostic antibody tests when these services are delivered according to the terms of your benefit plan. If you’re not sure if your test will be covered, call us at the number on the back of your ID card.