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Can Your Insurance Cover Everlywell Tests and Kits?
Updated on January 31, 2024
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Can Your Insurance Cover Everlywell Tests and Kits?

Everlywell is currently not contracted with any insurance company. Its health tests may or may not be covered by your insurance.

Your coverage will largely depend on your provider and current insurance policy. It’s possible that your insurer will cover some Everlywell tests.1

However, like many at-home tests 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. These tests are usually done in clinical settings, like a hospital or a laboratory.

Can Your Insurance Cover Everlywell Tests and Kits? 2

If your carrier covers your EverlyWell test, ask them important questions like:

  • Whether they will cover the kit’s full cost or just a portion of it
  • How much you have to pay for the testing kit out-of-pocket

While your insurance provider doesn’t likely cover most EverlyWell tests, they’re still more affordable than tests requiring doctor's visits.1


Insurance companies may or may not cover Everlywell's at-home health tests. They may also provide full or partial coverage, depending on their policies.

Which Everlywell Tests Are Covered By Insurance?

According to Everlywell, your health insurer may cover some of their at-home health tests. Namely, these tests are:1

Your carrier will be the one to decide whether or not they will cover these tests. Here’s what you get with each test:

Everlywell Cholesterol And Lipids Test

Everlywell’s at-home cholesterol and lipids test evaluates your cardiovascular (heart) health by measuring your cholesterol levels.

Insurance plans typically cover this health testing kit.1 

When talking to your carrier about your coverage, make sure they understand what a cholesterol and lipid test is.1 Let them know that it checks your:

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

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

Also, you should tell your insurance provider that Everlywell’s cholesterol test indicates if you have high, low, or healthy levels of these markers.

Everlywell Thyroid Test

Everlywell’s at-home thyroid test provides insights into your thyroid health and function.

Many health insurance companies cover a portion of its cost, but it still depends on your provider.1 It’s best that you ask them just to be sure.

When talking to your provider about your coverage, they must understand what a thyroid test is. Explain to them that it measures the following thyroid hormones:

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

Let your insurance provider know this at-home test requires a finger prick blood sample, which will be sent to Everlywell’s partner labs for analysis.

Inform them that EverlyWell’s thyroid test will show if you have high, low, or normal levels of these markers.

Everlywell Vitamin D & Inflammation Test

Everlywell’s Inflammation and Vitamin Test combines two tests by measuring your vitamin D levels and checking for possible inflammation in your body.

Some health insurance providers cover a portion of this test.1 Ask them if they are willing to cover the full cost or some of it.

When talking about your coverage, make sure that your insurance company understands what the test is for and that the results will include your:

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

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

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

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How Do I Know If Insurance Covers My Everlywell Test?

Insurers have varying insurance policies. You need to talk to your carrier to find out which Everlywell health tests they are willing to cover.

In addition to the Everlywell tests typically covered by insurance, your provider may cover other tests from the health testing company.

Tell them which test you plan on taking and what it does so they can determine your coverage. 

Remember to ask how much insurance they'll provide and if you need to shoulder any out-of-pocket costs.


Many insurers offer coverage for Everlywell's cholesterol, thyroid, and vitamin D tests. However, other Everlywell health tests may also be covered by your provider.

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

You can use your Flexible Spending Account (FSA) and Health Savings Account (HSA) to pay for Everlywell health tests. 

Your healthcare provider may authorize 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, 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 January 31, 2024
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Updated on January 31, 2024
Kelly Brown
Kelly Brown
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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