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Is EverlyWell Covered by Insurance?

Updated on August 4, 2021
Written by
Joel
10 sources cited
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At-home testing kits are a simple way to learn more about your health. Many people use these tests to avoid seeing a doctor or to determine if they need to schedule an exam. At-home lab testing kits are effective and provide relatively accurate insight into your health, but are they covered by your health insurance plan? 

One of the most well-known at-home testing kit providers is EverlyWell. It offers more than 30 at-home medical test kits that allow you to collect samples from the comfort of your home. The collection methods used by the company are science-backed and comply with the industry standards for reliability, validity, and stability.

With this, it’s easy to understand why many people are drawn to at-home testing kits. But the question is: Is EverlyWell covered by insurance?

How do EverlyWell Tests Work?

There are six simple steps to taking an EverlyWell test:

  1. Choose a test that you want to take.
  2. Order a kit online.
  3. When your kit arrives, register it at everlywell.com. 
  4. Take your sample from the comfort of home.
  5. Send the sample to the CLIA-certified laboratory. There, it undergoes independent physician review.
  6. Wait for your results. You’ll receive it in your EverlyWell account, usually in 5 business days.

Does Insurance Cover EverlyWell Tests?

No. Most insurance companies do not cover EverlyWell tests. Occasionally, standard health insurance covers the cost of genetic testing. Coverage is less likely when you perform testing at home. 

However, EverlyWell offers affordable pricing with no hidden costs. These tests are affordable options to in-person tests, even when paying out-of-pocket.

Even if your insurance policy is comprehensive and covers genetic testing, many people are reluctant to submit a claim to their medical insurance for genetic testing because their results could affect their coverage. Make sure you understand your state's laws regarding privacy before submitting a genetic testing claim. 

Your best bet is to contact your health insurance provider for information specific to your policy. Insurance companies do not contract with EverlyWell at this. 

Can I Use My FSA/HSA Account to Pay for EverlyWell Tests?

Generally speaking, yes, you can use your Flexible Spending Account (FSA) and Health Savings Account (HSA) to pay for an at-home health test.  

A healthcare provider authorizes EverlyWell testing, so it fits the guidelines for most HSA/FSA coverage. These FSA eligible tests provide information you and your doctor can use to improve your health. You can speak to your employer to determine how to handle the covered expenses of a genetic test. In most cases, you'll receive reimbursement.

How Do I Know If My EverlyWell Test is Covered By My Insurance?

There are a lot of insurance companies with varying insurance policies. The best way to know if your insurance provider covers your test is to directly get in touch with them. Discussing your coverage with them will give you answers to your questions.

Certain tests, however, have a higher chance of being covered. If you are going to order any of these three tests, you may want to contact your insurance provider and ask:

  • Comprehensive Thyroid Test
  • Cholesterol & Lipid Test
  • Inflammation & Vitamin D Test

What are the Types of At-Home EverlyWell Tests?

When most people think about genetic testing, they think about tests that tell them about their familial heritage. But EverlyWell tests offer more than just learning about your origins and your ancestors. Genetic testing is only one of many tests offered by EverlyWell. 

Here are other at-home health tests that you can take from EverlyWell:

Cholesterol and Lipids Tests

EverlyWell's at-home cholesterol and lipids test help you evaluate your cardiovascular health. Some insurance policies cover this test. When determining if your provider covers this type of lab test, your carrier should understand what cholesterol and lipid testing accomplish.

The EverlyWell Cholesterol and Lipids at-home test measures:

  • Total cholesterol
  • LDL
  • HDL
  • Triglycerides
  • Direct-LDL
  • HbA1c
  • Hs-CRP

You'll learn whether these above markers are elevated or deficient, so you can determine if any diet, lifestyle, or other changes could improve your health. Making better choices about your food is one of the easiest and best ways to counteract your health risks related to cholesterol.

Thyroid Tests

EverlyWell's at-home thyroid test helps you evaluate your thyroid health. Some insurance policies cover this at-home test. To help your carrier understand what thyroid testing accomplishes, provide them with the following measurements of the test:

  • Free T3
  • Free T4
  • TSH
  • Anti-TPO Antibodies

This test provides you with information about the above markers, so you can determine if you should address any thyroid issues with your physician.

Inflammation and Vitamin D Tests

The EverlyWell at-home test to measure inflammation and vitamin D is analyzed by CLIA and CAP-certified labs and offers information about: 

  • hs-CRP
  • Vitamin D levels

This test is a great way to gain insight into factors that affect a variety of health issues.

Food Sensitivity Test 

EverlyWell has two food sensitivity tests: the Basic Test and the Comprehensive Test. The Basi test checks for food sensitivities against 96 types of food, and the Comprehensive Test checks your reaction against 206 kinds of food.

Both of these tests use IgG, or immunoglobulin G, testing. It uses a blood sample from a finger prick.

Aside from the tests mentioned above, here are other tests provided by EverlyWell:

  • COVID-19 Test Home Collection Kit
  • Indoor & Outdoor Allergy Test
  • Sleep & Stress Test
  • Heart Health Test
  • Lyme Disease Test
  • HbA1C Test
  • Folic Acid Test
  • FIT Colorectal Cancer Screening Test
  • Heavy Metals Test
  • B Vitamins Test
  • Men’s Health Test
  • Testosterone Test
  • HPV Test - Female
  • Women’s Health Test
  • Ovarian Reserve Test
  • Perimenopause Test
  • Post Menopause Test
  • Women’s Fertility Test 
  • Trichomoniasis Test
  • STD Test - Male and Female
  • Chlamydia & Gonnorhea Test
  • Hepatitis C Test
  • Syphilis Test
  • HIV Test

The best way to learn if any of the above tests are covered or if any EverlyWell test falls under your insurance plan is to contact your provider. 

Life Insurance and Genetic Tests

Testing that evaluates your genetic health risks and other issues helps you make smart decisions about your health. It's an important tool to help you take control of your health and make the best possible choices based on your genetic risks and your current health. It's tempting, especially if your flexible spending account covers the cost, to use a test to learn more about your health. These lab tests provide useful information but also open up concerns.

However, you should understand the benefits and drawbacks of undergoing health testing. Information is important, but it can lead to unexpected problems. Even if you're eligible, you should consider the pros and cons of testing. Understanding your medical risks is powerful, but with the benefits comes responsibility and knowing what you face.

In some cases, genetic test results can be used in the life insurance underwriting process. This means that if you have a genetic marker for a disease or condition that life insurance providers consider high-risk, your test results could be used to increase the cost of coverage.

You're more likely to avoid problems with life insurance coverage if you pay for a test out-of-pocket. Even if you are eligible for a covered test through insurance or your FSA or HSA offers reimbursement, you might increase the odds of having issues in the future with insurance coverage.

Laws Protect Consumers from Discrimination, But Not in All Cases

The Genetic information NonDiscrimination Act was passed in 2008 to prevent health insurance providers and employers from discriminating against a person based on their genetic test results. The goal was to prevent the misuse of genetic testing against consumers.

Unfortunately, the law does not apply to life insurance providers. There are no laws that protect consumers against genetic discrimination in the life insurance industry. Life insurance providers can legally use someone's genetic information to determine their health rating and, therefore, their life insurance rate or coverage.

Furthermore, genetic testing results can have an impact on disability insurance and long-term care insurance.

It's also expected that life insurance providers will rely more and more on genetic information when making decisions about coverage. Anyone with a pre-existing condition or genetic risk could face rates too high to afford. This not only applies to the EverlyWell testing options listed above but also risks related to Parkinson's disease, BRCA1, and more.

This doesn't mean that you shouldn't undergo genetic testing. Nobody should base their current health decisions on the risk of having to pay more for insurance in the future. If you have concerns about genetic health risks or your current health, EverlyWell and other testing options offer insight to help you live your healthiest life.

However, you should understand how third parties might use genetic information.

Genetic Testing Reveals Useful Information

Additionally, make sure you are comfortable with learning the results of your test. It is one thing to learn that your cholesterol is high or that you’re deficient in vitamin D. You can use this information to make lifestyle changes and improve your health.

But learning that you have a genetic risk for a serious and/or life-threatening condition can be devastating. Before undergoing genetic testing, make sure you're emotionally prepared to deal with the outcome. Genetic counseling is available for people who learn of a genetic risk that causes them emotional difficulty.

Resources

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“Will Health Insurance Cover the Costs of Genetic Testing?: MedlinePlus Genetics.” Medlineplus.gov, medlineplus.gov/genetics/understanding/testing/insurancecoverage/.

Bertolotti, Mauro. “Opportunities, Risks, and Limitations of Genetic Testing: Looking to the Future from Patients’ Point of View.” Mayo Clinic Proceedings, vol. 90, no. 10, 1 Oct. 2015, pp. 1311–1313, www.mayoclinicproceedings.org/article/S0025-6196(15)00679-5/fulltext, 10.1016/j.mayocp.2015.08.015.

"Can the results of direct-to-consumer genetic testing affect my ability to get insurance?" Medline Plus. https://medlineplus.gov/genetics/understanding/dtcgenetictesting/dtcinsurancerisk/

"The Genetic Information Nondiscrimination Act of 2008." U.S. Equal Employment Opportunity Commission. https://www.eeoc.gov/statutes/genetic-information-nondiscrimination-act-2008

"Using a Flexible Spending Account (FSA)." HealthCare. https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/

Clinical Laboratory Improvement Amendments (CLIA). Centers for Medicare and Medicaid Services. https://www.cms.gov/Regulations-and-Guidance/Legislation/CLIA.

Joy, K. "Pros and Cons of Genetic Testing: What to Know Before You Go." Michigan Health, 8 December 2017. https://healthblog.uofmhealth.org/health-management/pros-and-cons-of-genetic-testing-what-to-know-before-you-go.

 

Lavine, E. "Blood testing for sensitivity, allergy or intolerance to food." Canadian Medical Association Journal. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3314037/

 

Joel
Content Contributor
Joel is a writer with a passion for the science of DNA and the power of its manipulation.
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