Insurance Coverage FAQ

In this article:

Can I use my HSA/FSA account to pay for a test?

Generally speaking, yes, you can use your HSA/FSA account to pay for an at-home health test. Your EverlyWell test is authorized by a physician, so it should fit the guidelines for most HSA/FSA coverage. If you have a particularly rigorous plan, it is best to check with your own plan if you’d like to verify before purchase.

For more information on our various tests such as our Food Sensitivity test and Food Sensitivity Comprehensive Test, you can visit the respective pages.

Are vitamins and supplements HSA/FSA eligible?

Everlywell vitamins and supplements are not HSA/FSA eligible at this time. If you are concerned that you used HSA/FSA funds on an ineligible product, we encourage you to reach out to your plan administrator to discuss.

Do most health insurance companies cover these tests?

Unfortunately, no. We are not contracted with any insurance companies at this time. This is an at-home health test that doesn't require an office visit. However, EverlyWell's tests are typically priced lower than out-of-pocket costs associated with such visits.

How does your pricing compare to Medicaid?

Medicaid often does not cover health tests like these, and in these cases, our prices are typically lower than out-of-pocket costs for similar tests taken within an office environment.

How can I find out if I have insurance coverage for your tests?

Because insurance policies vary widely, the best way to confirm whether an Everlywell test is covered is to contact your insurance provider directly. This applies to most medical procedures, as coverage can differ by plan and many people are surprised by unexpected bills.

With Everlywell, you’ll always know the exact price up front — there are no hidden fees or surprise charges. Our test pricing is typically comparable to the out-of-pocket costs for similar testing in a clinical setting.

While at-home tests are often not covered by insurance, some may be eligible for partial coverage depending on your plan. The following tests are more commonly considered for coverage, so you may want to check with your insurance provider before purchasing:

Discussing Coverage: Cholesterol & Lipids Test

The Cholesterol & Lipids Test is one of the more frequently covered at-home tests by insurance carriers. To confirm whether your provider will cover all or part of the cost, please contact them directly.

When discussing coverage, be sure your carrier understands exactly what the test includes. You can share the following key points:

  • The test is collected at home using a finger-prick blood sample.
  • Samples are analyzed by CLIA-certified partner laboratories.
  • The test measures:
    • Total Cholesterol
    • HDL Cholesterol
    • Calculated LDL Cholesterol
    • Triglycerides
  • Your report shows whether each marker is high, low, or within the normal healthy range.

Discussing Coverage: Thyroid Test

The Thyroid Test is often eligible for some level of insurance coverage, though this will depend on your specific plan. We recommend checking with your insurance provider to confirm whether they will cover all or part of the cost.

When discussing coverage, be sure your carrier understands exactly what the test includes. You can share the following key points:

  • The test is collected at home using a finger-prick blood sample.
  • Samples are analyzed by CLIA-certified partner laboratories.
  • The test measures:
    • TSH
    • Free T3
    • Free T4
    • Thyroid Peroxidase (TPO) Antibodies
  • Your report shows whether each marker is high, low, or within the normal healthy range.

Discussing Coverage: Vitamin D & Inflammation Test

The Vitamin D & Inflammation Test may be eligible for partial coverage under some insurance plans. Coverage varies by provider, so we recommend contacting your insurance company directly to confirm whether they will cover all or part of the cost.

When discussing coverage, be sure your carrier understands exactly what the test includes. You can share the following key points:

  • The test is collected at home using a finger-prick blood sample.
  • Samples are analyzed by CLIA-certified partner laboratories.
  • The test measures:
    • hs-CRP (a commonly tested marker for inflammation)
    • Vitamin D
  • Your report shows whether each marker is high, low, or within the normal healthy range.

Can you check on my insurance for me?

Unfortunately, we’re not able to check insurance coverage on your behalf. Because coverage is unique to each individual plan, the best way to learn more about your options is to contact your insurance provider directly.

You can usually find the customer service number on the back of your insurance card. For convenience, we’ve also included contact information for several major insurance companies below.

  • Humana: 1-866-427-7478
  • Aetna: 1-800-872-3862
  • Blue Cross Blue Shield (BCBS): 1-800-521-2227
  • United Healthcare: 1-866-414-1959
  • Cigna: 1-800-997-1654
  • CMS (Medicare / Medicaid): 1-800-633-4227

What are typical lab costs and how transparent is lab pricing normally?

For traditional lab tests, costs usually include both the physician visit and lab fees. Pricing can be complicated and is often not transparent — it may vary widely depending on the lab, test type, markers measured, and your specific insurance coverage.

Everlywell provides clear, upfront pricing with no hidden fees, which is uncommon in traditional testing. We can’t predict what your out-of-pocket costs might be in a clinical setting, but with Everlywell you’ll always know the price before you order.

Are there online tools or apps that I can use to check for my coverage for any one test?

Not that we’re aware of, but we’d love to learn about one if you find it! Most coverage-checking tools are operated by insurance companies and apply only to physician-ordered, in-office tests. The best way to confirm whether your plan covers an Everlywell test is to call or email your insurance provider directly.

Browse all Everlywell lab tests