Understanding COVID-19 testing and treatment coverage

We're here to help you understand what's covered and get access to the care you need. Remember to visit network health care providers and show your member ID card for COVID-19 testing or related services. Keep your primary care provider informed of any COVID-19 testing results, vaccinations or care you receive.

Sign in to your health plan account or review your plan materials to learn more about your benefits. You can also find a general summary of benefits for COVID-19 testing, testing-related services and treatment below.

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If you have been exposed to COVID-19 or have COVID-19 symptoms, call your health care provider right away.

Looking for COVID-19 tests?

Many UnitedHealthcare members are now able to purchase over-the-counter (OTC) at-home COVID-19 tests, at little or no cost to you.

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.

Find more COVID-19 guidance from the government at covid.gov

COVID-19 testing

Testing for COVID-19 is important to help with slowing the spread of COVID-19. We encourage you and your health care provider to use FDA-authorized tests. There are 2 types of COVID-19 tests:

  • Diagnostic tests determine if you are currently infected with COVID-19. There are 2 types of these viral diagnostic tests: nucleic acid amplification and antigen tests.
  • Antibody tests, also known as serology 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.

Medically-appropriate COVID-19 tests have $0 cost-share during the national public health emergency period, currently scheduled to end July 14, 2022. Medically-appropriate COVID-19 tests must be FDA-authorized or approved, and be ordered or reviewed by a health care professional to either 1) diagnose if the virus is present in a person due to symptoms or potential exposure, or 2) help in the treatment of the virus for a person. This coverage applies to in-network and out-of-of-network tests 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.

UnitedHealthcare health plans generally do not cover COVID-19 surveillance testing, which is testing used for public health or social purposes such as employment (return to workplace), education, travel, or entertainment. If your doctor or other health care professional provides a prescription or order for the over-the-counter COVID-19 test as part of clinical care, you may submit a claim for reimbursement with both the prescription and detailed receipt to UnitedHealthcare. State variations and regulations may apply.

If you think you might have COVID-19 or may have been exposed to the virus, talk to your network health care provider. If you have questions about your benefits plan, call the phone number on your UnitedHealthcare member ID card.

COVID-19 at-home testing coverage

For some members with UnitedHealthcare individual and employer group health plans, recent updates to Federal guidelines may allow you to purchase over-the-counter (OTC) at-home COVID-19 tests at little or no cost during the public health emergency period. Coverage and reimbursement details may vary, depending on your specific plan.

Members enrolled in UnitedHealthcare Medicare Advantage, UnitedHealthcare Medicare Supplement plans and UnitedHealthcare Medicare Prescription Drug Plans and have Medicare Part B now have access to over-the-counter testing for no cost. Sign in to medicare.uhc.com or visit CMS.gov to learn more.

In addition, each household can order free OTC at-home COVID-19 tests (16 tests total) through the Federal government. These tests are shipped directly from covidtests.gov.

COVID-19 testing-related services

You will have $0 cost-share (copay, coinsurance or deductible) for COVID-19 testing-related services via in-person or virtual visits during the national public health emergency period, currently scheduled to end July 14, 2022. 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. 

COVID-19 treatment

If you get sick with COVID-19, your health care provider may prescribe treatments. For COVID-19 treatment, cost-sharing will be according to the member’s benefit plan. You will be responsible for any copay, coinsurance, deductible or out-of-network costs. This coverage applies to Medicare Advantage, Exchange, Individual and Employer-sponsored health plans. For members enrolled in UnitedHealthcare Community Plans, state provisions and regulations may apply during this time.

Support for our highest risk members

According to the CDC, some people are more likely than others to become severely ill. People at increased risk, and those who live or visit with them, need to take precautions to protect themselves from getting COVID-19.

The UnitedHealthcare navigation support program provides a dedicated advocate to talk with you and help guide you if you need extra support, like help with getting medications, supplies, food and care. Members can access the program by calling the phone number on their member ID card.

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.

Find more COVID-19 guidance from the government at covid.gov

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.