Understanding COVID-19 testing and treatment coverage

At UnitedHealthcare, we're here to help you understand what's covered and how to access care. We want to help answer your questions and connect you to the resources that may help support you during this time.

Remember to visit network providers and always show your UnitedHealthcare member ID card for COVID-19-related testing, visits or treatment. Also, keep your primary care provider (PCP) informed of any COVID-19 testing results or care you might receive. 

Many people start a new health plan with the new year. With this, copays, coinsurance or deductibles may start anew. Sign in to your online UnitedHealthcare account or review your plan materials for details on your benefit plan.

If you have been exposed to COVID-19 or have COVID-19 symptoms, call your health care provider right away. Use our online symptom checker to assess your risk for COVID-19 and get treatment options.

Looking for a testing center?

Use our testing locator to find a diagnostic testing center near you. Diagnostic tests can help you understand if you might currently have COVID-19. 

COVID-19 testing

Testing is important to slowing the spread of COVID-19. We encourage you—our members—and health care providers to use  FDA-authorized tests. There are two types of COVID-19 tests:

  • Diagnostic tests determine if you are currently infected with COVID-19.
  • Antibody tests may determine if you might have been infected with the virus. According to the FDA, antibody tests should not be used to diagnose a current infection. 

You will have $0 cost-share (copayment, coinsurance or deductible) on medically appropriate COVID-19 testing during the national public health emergency period, currently scheduled to end April 20, 2021. Medically appropriate testing is ordered by a physician or health care professional for the purposes of diagnosis or treatment. Tests must be FDA-authorized to be covered without cost-sharing. This coverage applies to in-network and out-of-of-network tests for Medicare Advantage, Exchange, Individual and Employer-sponsored health plans through the national public health emergency period. For individuals enrolled in UnitedHealthcare Community Plans, state variations and regulations may apply during this time.

UnitedHealthcare benefit plans generally do not cover testing for employment, education, travel, public health or surveillance purposes, unless required by law. Benefits will be processed according to your health benefit plan.

If you think you need a COVID-19 test, talk to your health care provider.

COVID-19 testing-related visits

You will have $0 cost-share (copay, coinsurance or deductible) for COVID-19 testing-related visits during the national public health emergency period, currently scheduled to end April 20, 2021, whether the testing-related visit is in-person or a telehealth visit

This coverage applies to in-network and out-of-of-network visits for Medicare Advantage, Exchange, Individual and Employer-sponsored health plans. For individuals enrolled in UnitedHealthcare Community Plans, state variations and regulations may apply during this time. Benefits will be reviewed in accordance with the member’s health plan. 

If your provider orders a COVID-19 diagnostic test for you, use our locator to find a testing center.

COVID-19 treatment

If you get sick with COVID-19, your health care provider may prescribe treatments. A summary of coverage is below. If you have questions about your benefits, sign in to your health plan account or call the number on your member ID card.

  • Exchange, Individual and Fully Insured Employer-sponsored plans: For COVID-19 treatment, cost-sharing will be according to the member’s benefit plan. You will responsible for any copay, coinsurance or deductible. Coverage for out-of-network services will be determined by your benefit plan. State variations may apply. Some employer-insured health plans1 have different coverage benefits; if you have questions, please check with your human resources benefits team. 
  • Medicare Advantage health plans: You will have $0 cost-share for in-network and out-of-network COVID-19 treatment, including inpatient and outpatient treatment, through Mar. 31, 2021.
  • For members enrolled in UnitedHealthcare Community Plans: State provisions and regulations may apply during this time.

Outpatient monoclonal antibody treatment 

The FDA has issued emergency use authorization for 2 monoclonal antibody treatments. According to the CDC, monoclonal antibody treatments may be recommended by your provider if you test positive for COVID-19, and are at risk to get very sick or to be admitted to the hospital. This treatment can help the body respond more effectively to the virus. 

A summary of coverage for monoclonal antibody treatment is below. Sign in to to your online UnitedHealthcare member account for more details. 

  • Exchange, Individual and Fully Insured Employer-sponsored plans: For monoclonal antibody treatments, you will have $0 cost-share with network providers in outpatient settings through Mar. 31, 2021. Other COVID-19 outpatient treatments will be according to your benefit plan.

    Some employer-insured health plans1 have different coverage benefits; if you have questions, please check with your human resources benefits team. Coverage for out-of-network services will be determined by your benefit plan.
  • Medicare Advantage plans: For monoclonal antibody treatments, you will have $0 cost-share with in-network and out-of-network providers in outpatient settings through 2021. You might need your red, white and blue Medicare card, because Medicare is paying for this treatment in 2021.  

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

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

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.

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 regular updates to the site. Please check back often for the latest information. 

Footnote

  1. Your insurance card can help you understand if you are in an employer-insured health plan. If it says, “Administered by United HealthCare Services, Inc.” in the front, lower right corner, you are in an employer-insured plan. Your best resource for detailed health benefit information will be your human resources benefits manager.

Disclaimers

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. Brands are the property of their respective owners.