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Let's say you are offering a product that is included in the benefit package from Medicare (a health insurance), what tense should you use?

Promoter: Have no worries, this product is already covered by your Medicare, so it's free, you just have to agree.

Or

Promoter: Have no worries, this product has already been covered by your Medicare, so it's free, you just have to agree.

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"has already been covered" implies that it was covered in the past, and implies completion (the payment has gone through, the product purchased, etc). You would use this phrase if they were asking if their Medicare had completed payment for certain purchases in the past.

"is already covered" implies that the product is currently covered by Medicare. That is, if they decided to purchase the product today, their Medicare would pay for it ("cover it"). The coverage is ongoing, and applies to present and future purchases.

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