Bankmed refuses to pay for positive Covid tests

My wife and I both had Covid symptoms and I went for a test, which was positive. Due to the nature of the sick leave policy at her company, my wife also went and hers was positive too. We then submitted the claims, including proof of payment and positive tests to Bankmed. I must add we are both fully vaxxed and also these were our FIRST tests since the pandemic started. They refuse to refund us as we weren`t referred by a doctor? The solution, according to them? We must each go to a doctor to get a referral for the tests. So, we must now pay for a doctors visit each before we can get refunded? This is just plain poor. It`s a great time for this to happen, as we have to submit our renewal for next year soon. This won`t happen.