Christmas shopping and using up Flexible Spending Account (FSA) funds are top priorities for many Americans throughout December. This year, a pandemic twist has been added: FSA monies are being used to purchase at-home coronavirus testing.
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FSAstore.com’s home collection of COVID-19 tests has been a top-selling item since its inception in October, according to Rida Wong, president of Health-e-Commerce. They’re even prominently displayed on the site’s front page.
Even if you don’t have health insurance, you are legally entitled to free coronavirus testing in the United States. However, the trip to the testing location and the time spent waiting for results might be problematic. Approximately 300 tests and sample collection equipment, some of which may be used in the patient’s own home, have been given emergency approval by the FDA.
But they’re not exactly cheap, either. As a result, those looking to use pre-tax cash set aside in their Flexible Spending Accounts for out-of-pocket medical and dental expenditures may find them appealing.
For $199.99, FSAstore.com offers a MyLabBox polymerase chain reaction (PCR) test. Sending in a saliva sample is as simple as purchasing the kit and sending it for analysis. They may meet with a doctor as soon as the lab returns the findings, as quickly as 24 hours after the sample is received.
“Participating FSA and Health Savings Accounts” are expressly mentioned on the EverlyWell website for their $109 nasal swab kit, which tests for the coronavirus at home. The $129.99 and $139.99 Azova tests are also FSA-eligible, according to Costco’s website.
A typical FSA plan reimburses customers for costs that insurance does not cover. Determine if you’ll need to make a claim, give receipts, or utilize a special debit card before you spend.
Wong believes that more than $400 million in FSA monies go unused each year due to the use-it-or-lose-it nature of FSAs. The epidemic has caused many individuals to put off necessary medical visits and operations, so they may have more money to spend this year than usual. This year’s CARES Act has made it possible for the FSA to cover women’s health goods, including tampons, pads, and menstrual cups. The popularity of thermometers, nose irrigation kits, and other devices to reduce masks has also risen in recent years.
Overall, Wong believes that COVID-19 has increased public awareness of health issues.
However, if you decide to purchase and perform an at-home coronavirus test, keep in mind that a negative result doesn’t mean that you may frolic mask-free among huge crowds. Furthermore, according to specialists, there is the possibility of false negatives with COVID-19 testing.
Even the Food and Drug Administration acknowledges that “no test is 100% accurate,” so be cautious.