Understanding coverage and care for COVID-19

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. 

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. 

Virus/antigen detection and antibody testing

UnitedHealthcare strongly supports the need for reliable testing and encourages health care providers to use reliable FDA-authorized tests. A virus/antigen detection (diagnostic) test determines if a person is currently infected with COVID-19. An antibody (serology) test may determine if a person has been exposed to COVID-19, and according to the FDA, this test should not be used to diagnose a current infection.

During the national public health emergency period, we will cover medically appropriate COVID-19 testing at no cost-share (copayment, coinsurance or deductible) when ordered by a physician or health care professional for purposes of diagnosis or treatment of an individual member.

Tests must be FDA-authorized to be covered without cost-sharing. FDA-authorized tests include tests approved for patient use through pre-market approval or emergency use pathways, as well as tests that are developed and administered in accordance with FDA specifications or through state regulatory approval. Be sure to ask your health care provider to order an FDA-authorized test.

This coverage applies to members enrolled in Medicare Advantage, Medicaid and Individual and Group Market health plans. Benefits will be otherwise reviewed in accordance with the member’s health plan. State variations and regulations may apply during this time. 

COVID-19 testing-related visits

UnitedHealthcare is waiving cost-sharing for COVID-19 testing-related visits during the national public health emergency period, whether the testing-related visit is received in a health care provider’s office, urgent care center, emergency department or telehealth visit. This coverage applies to Medicare Advantage, Medicaid, Individual and Group Market health plan members. 

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

COVID-19 treatment

UnitedHealthcare is waiving member cost-sharing for the treatment of COVID-19 through October 22, 2020 for its 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.

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

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 the time of the national public health emergency period. 

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 to be connected with a nurse if you need help evaluating your risk or are looking for clinical advice and support related to COVID-19. You can also ask the nurse about general health care concerns.

Get your medications delivered to your home

Pharmacy delivery is available through Optum Home Delivery by signing in to 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.
  • An on-demand emotional support mobile app called Sanvello is available to many members to help you cope with stress, anxiety and depression. Eligible UnitedHealthcare members must register using their UnitedHealthcare member card. If you were using Sanvello for free, which was available until June 30, 2020, be sure to go into your account to register your insurance information, which will help ensure eligibility and adjust your account appropriately to maintain access.
  • The National Suicide Prevention Lifeline offers 24/7 support through an online chat called Lifeline Chat. You can also call 1-800-273-8255 or 1-800-799-4889 (TTY) for support. 
  • The Crisis Text Line is a free resource available 24/7 to help you connect with a crisis counselor. Text “Home” to 741741

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 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. Brands are the property of their respective owners.