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Can Your Insurance Cover Everlywell Tests and Kits?
Updated on May 22, 2023
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Can Your Insurance Cover Everlywell Tests and Kits?

It depends. EverlyWell's tests may or may not be covered by your insurance.

EverlyWell is currently not contracted with any insurance company. However, your coverage still depends on your provider and current insurance policy. It’s possible that your insurer will cover some EverlyWell tests.1

Like many at-home testing kits that don’t require in-office doctor visits, EverlyWell may not be covered by your health insurance plan.1

Most health insurance companies only cover the cost of in-person tests performed by health professionals.

If your carrier will cover your EverlyWell test, remember to ask them if they will cover the full cost or just a portion of it, and how much you have to pay out-of-pocket. 

While most EverlyWell tests are not likely to be covered by insurance, they’re still more affordable than the out-of-pocket costs associated with tests that require doctor's visits.1

Can Your Insurance Cover Everlywell Tests and Kits? 2

EverlyWell Tests Covered By Insurance

According to the health testing company, your health insurer may cover the following at-home health tests:1

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

Keep in mind that your carrier will be the one to decide whether or not they will cover these tests. There’s also a chance they might cover other at-home test kits from EverlyWell, so always make sure to ask first.

EverlyWell Cholesterol And Lipids Test

The at-home cholesterol and lipids test measures your cholesterol levels and helps you evaluate your cardiovascular health.

It’s one of the most frequently covered at-home tests by insurance plans.1 You need to ask your provider if they are covering the full cost or just a portion of it.

When talking to your carrier about your coverage, make sure they understand what a cholesterol and lipid test is and what they test for.

Mention that the test is taken at home and requires a small blood sample, which is then sent to EverlyWell’s partner laboratories. 

Let them know that the test measures your:

  • Total Cholesterol
  • High-density lipoproteins (HDL)
  • Low-density lipoproteins (LDL)
  • Triglycerides
  • Direct-LDL
  • C-Reactive Protein High-Sensitivity (Hs-CRP)
  • Hemoglobin A1C (HbA1c)

Let your insurance provider know that EverlyWell’s cholesterol and lipids test checks if you have high, low, or healthy levels of these markers.

EverlyWell Thyroid Test

The at-home thyroid test provides insights into your thyroid function.

Many health insurance companies cover a portion of its cost, but it still depends on your carrier.1 You can check with them to see if they will cover the total cost or some of it.

When talking to your provider about your coverage, make sure they understand what a thyroid test is and what it measures.

Mention it’s an at-home test that requires a finger prick blood sample, which will be sent to EverlyWell’s partner labs for testing.

Let them know that the test checks your:

  • Free triiodothyronine (T3)
  • Free thyroxine (T4)
  • Thyroid-stimulating hormone (TSH)
  • Thyroid peroxidase antibodies (Anti-TPO)

Inform your insurance provider that EverlyWell’s thyroid test will tell you if you have high, low, or normal levels of these markers.

EverlyWell Vitamin D & Inflammation Test

It combines two tests by measuring your vitamin D levels and checking for biomarkers that indicate the presence of acute inflammation in your body.

Some health insurance providers cover a portion of this test, so you may be covered as well.1 Ask them if they are willing to cover the full cost or some of it.

When discussing your coverage, make sure that your carrier understands what the test is and what it tests for.

Mention it’s an at-home kit that requires a blood sample, which will be sent to partner laboratories for lab testing.

Tell them that the test results include:

  • C-Reactive Protein High-Sensitivity (Hs-CRP)
  • Vitamin D levels

Let your carrier know that EverlyWell’s Vitamin D & Inflammation test will tell you if you have high, low, or healthy levels of the above markers.

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

Insurance companies have varying insurance policies, so it's best that you talk to your carrier to find out whether or not they will cover the test.

Tell them which test you plan on taking and what it does so they can assess your coverage. Remember to ask how much insurance they'll provide and if there are any out-of-pocket costs.

Can I Use My FSA/HSA To Pay For EverlyWell?

Yes. Generally speaking, you can use your Flexible Spending Account (FSA) and Health Savings Account (HSA) to pay for EverlyWell. 

A healthcare provider authorizes EverlyWell testing so it fits the guidelines needed to qualify for HSA/FSA coverage. 

It’s best that you check your plans to learn more about your coverage. If you have an FSA, you can also talk to your employer about how the costs will be handled.

People with FSA coverage may need to pay for EverlyWell tests out-of-pocket and wait for reimbursement.

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Updated on May 22, 2023
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Updated on May 22, 2023
Kelly Jamrozy
Kelly Jamrozy
Content Contributor
Kelly has experience working with clients in a variety of industries, including legal, medical, marketing, and travel. Her goal is to share important information that people can use to make decisions about their health and the health of their loved ones. From choosing the best treatment programs to improving dental and vision health to finding the best method for helping anyone who is struggling with health issues, she hopes to share what she learns through informative content.
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