Understand coverage and care for COVID-19

At UnitedHealthcare, we're here to help you understand what's covered and how to get care related to COVID-19. And if you have other health care needs, we're here to help you understand your options for care too. We want to help answer your questions and connect you to the resources that may help support you during this time. 

What's covered?

UnitedHealthcare is waiving member cost-sharing for the treatment of COVID-19 until May 31, 2020 for Medicare Advantage, Medicaid, Individual and Group Market fully insured health plans. We will also work with self-funded customers who want us to implement a similar approach on their behalf. This builds on the company’s previously announced efforts to waive cost-sharing for COVID-19 testing and the testing-related visit, and the expansion of other member services.

Starting March 31, 2020 until June 18, 2020, UnitedHealthcare will now also waive cost-sharing for in-network, non-COVID-19 telehealth visits for its Medicare Advantage, Medicaid, Individual and Group Market fully insured health plans. Again, we will work with self-funded customers who want us to implement a similar approach. The company previously announced we would waive cost-sharing for telehealth visits related to COVID-19 testing, in addition to waiving cost-sharing for 24/7 Virtual Visits with preferred telehealth partners.

Coverage for COVID-19 testing

If your provider agrees that you need COVID-19 testing, UnitedHealthcare has waived cost-sharing at any CDC approved testing site during this national emergency.

Only a health care provider can order testing for COVID-19. If you think you need a test, talk to a provider right away. 

This coverage applies to Medicare Advantage, Medicaid, Individual and Group Market health plans.

Coverage for a provider visit related to COVID-19 testing

If you need a COVID-19 testing-related visit with a health care provider, UnitedHealthcare has waived cost-sharing for this visit during the national emergency. This includes a visit to a health care provider’s office, an urgent care center, an emergency department or a telehealth visit. 

This coverage applies to Medicare Advantage, Medicaid, Individual and Group Market health plans.

If you have questions about your benefits, sign in to your health plan account or call the number on your member ID card. 

How to get a COVID-19 test

If you think you might have been exposed to COVID-19 or have symptoms such as fever, cough or difficulty breathing, call your health care provider right away. In many cases, you can talk to a doctor using telehealth. Learn about telehealth coverage and options.

If your health care provider decides you should be tested for COVID-19, they will order a test for you. Next your provider should work with local and state health departments to coordinate where you will get your test.

Support for our highest risk members

Members who are at high risk may be prescribed self-isolation by their provider. We're here to help those members through isolation and further limit their potential exposure to the virus. The UnitedHealthcare navigation support program provides a dedicated advocate to talk with you and help guide you through the isolation process. They can help you with how to get medications, supplies, food and care. You can also talk with them to learn about available support programs. 

Members can access the program by calling the phone number on their member ID card. When you call, let them know your health care provider has prescribed self-isolation.

Based on currently available information from the CDC, older adults and people of any age who have serious underlying medical conditions might be at higher risk for severe illness from COVID-19.

Learn about precautions to take if you're at risk

Additional resources you may access during this time

We've expanded access to a number of services and resources to help support our members during this time of national emergency. 

Talk to a provider from home using telehealth

UnitedHealthcare expanded access to telehealth so you can stay in the comfort of your home and get the right care. Telehealth can be used for both COVID-19 and non-COVID-19 health care needs. If you have an urgent dental need, you may also be able to set up a teledentistry visit. Learn about telehealth coverage and options.

Talk to a nurse

You can call the number on your member ID card and talk to a nurse if you need help evaluating your risk or are looking for clinical advice and support related to COVID-19. You can also call to ask a nurse about general health care concerns.

Get early prescription refills

You may ask your pharmacy for an early prescription refill if you have UnitedHealthcare prescription drug coverage or an OptumRx pharmacy benefit. Check your supply to see if you need to ask for a refill. Consider what medication you might need in the coming weeks too. 

Pharmacy delivery is available through Optum Home Delivery by signing into your health plan account. Simply select Optum Home Delivery. Pharmacy delivery is also available through several retail pharmacies.

Take care of your emotional health

In a stressful time, it can be hard to cope. Talking to someone may help you feel better. Here are some ways to connect and take care of yourself. 

  • Our free 24/7 emotional support line is here for you to call any time at 866-342-6892. This Optum Help Line is staffed by professionally trained mental health experts. It is free of charge and open to anyone.
  • A free on-demand emotional support mobile app called Sanvello, is available to help you cope with stress, anxiety and depression during the COVID-19 pandemic.

Get help to understand your benefits

If you have questions about your benefits, sign in to your health plan account or call the number on your member ID card. We can help you understand your coverage, find a health care provider or connect you with a nurse.

Frequently asked questions

Latest updates from the CDC

The CDC is your best source for the latest information about COVID-19. You'll find additional resources and guidance what to do if you are sick, how to protect your health and information on who is at higher risk. We can all support each other by staying informed. 

We're listening

We’re committed to keeping you up to date on COVID-19. We’re taking note of your questions and working hard to provide answers. Let us know how we’re doing.

We’re making daily updates to the site. Please check back often for the latest information. 


This page describes benefits we offer to all members in all states. They also include federal requirements. More benefits may be available in some states and under some plans.

We have created rules and practices that may apply to some of our products at this time. The information is a summary and is subject to change. For more information, contact your account representative  or call the number on your member ID card.

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