The free tourist insurance does not cover the cost of the antigen test unless the person presents symptoms, and the coverage is activated.
If the test is for a healthy patient who is required to submit it upon return to their country, they will need to pay the laboratory for the test.
Some hotels offer complimentary antigen tests for passengers traveling to or connecting in the United States. Please note that while antigen tests are free, there is a small fee to cover the cost of processing them. Some hotels have decided to absorb this cost, others will charge the guest a small fee, and a few are not part of the program. Please confirm with your hotel about in-property testing options.