The federal government last month required private insurers to begin covering at-home COVID-19 tests for their enrollees. Officials on Friday released additional information on what insurers need to cover in response to stakeholder questions that came up since the initial policy was released.

Here are five things to know about the updated guidelines:

1. Plans won’t be penalized for temporarily failing to provide at-home tests at network pharmacies free of charge because of supply shortages. However, if an enrollee is able to buy eligible tests despite supply shortages, insurers need to reimburse them, according to federal policy.

2. Insurers will have flexibility to create direct-to-consumer coverage programs. Insurers can set up programs where enrollees order tests online or via telephone to be shipped to their homes. Tests can also be offered through the plan’s pharmacy network, by giving out coupons to receive COVID-19 tests from certain retailers with no cost-sharing or at an in-person testing site set up by the insurer. Plans need to cover shipping costs, just as they would for other items provided by the plan via mail.

3. Health reimbursement arrangements or flexible spending arrangements that allow enrollees to get tax-free reimbursement for a set amount of medical expenses each year can’t reimburse for covered at-home tests anymore, since the tests will be covered by insurance. Health savings accounts can’t reimburse for these tests either. Plans and insurers may want to alert enrollees not to use their FSA or HRA debit card to purchase tests they plan to get reimbursed.

4. Insurers are allowed to limit or prevent coverage for tests that are purchased from another private individual. Insurers can stop this practice by requiring proof of purchase that identifies the seller of a test, but they still can’t require enrollees to submit multiple documents to get reimbursed for a test.

5. Plans and insurers don’t need to cover at-home tests that have to be sent away for processing in a lab. However, plans do still need to cover these tests if they’re prescribed by a provider.