
I. Testing Options for Flu and COVID-19 Differentiation
Testing helps distinguish flu from COVID-19, which require different treatments. Over-the-counter at-home tests for both viruses are widely accessible, and some pharmacies offer rapid on-site testing. These nasal swab tests deliver results in 15-20 minutes. In some states, pharmacists can prescribe and administer treatment directly after a positive flu test, with CVS’s test-to-treat program covering over a dozen states.
II. Key Antiviral Treatments Recommended by CDC
The FDA has approved four antiviral drugs, all recommended by the CDC. These are prescription-only and work best if taken within 48 hours of symptoms starting. Oseltamivir, including generics, is affordable and suitable for most ages. Zanamivir is inhaled but not for people with breathing problems. Peramivir is given intravenously in a medical setting. Baloxavir is a single oral dose with specific age and use restrictions.

III. Who Needs Treatment and Cost Considerations
Most people recover from the flu with just supportive care. However, the CDC recommends antiviral medication for hospitalised patients, individuals with severe illness, and high-risk groups such as young children, the elderly, and those with weakened immune systems. Insurance usually covers some of the cost of these drugs, but this varies depending on the plan. For those paying out of pocket, generic oseltamivir is often the cheapest option, and doctors say that discounts or rebates may be available for other drugs.