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Coverage for Covid-19 Testing and Treatment

Does UnitedHealthcare cover treatment for COVID-19?

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Get the answer in UnitedHealthcare’s COVID-19 Coverage and Benefits FAQs.

Does UnitedHealthcare cover the test for COVID-19?

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UnitedHealthcare will waive cost sharing (copayment, coinsurance, and deductible) for COVID-19testing during this national emergency. We are also waiving cost sharing for COVID-19 testing related visits during this same time, whether the testing related visit is received in a health care provider’s office, an urgent care center, an emergency department or through a telehealth visit. This coverage applies to Medicare Advantage, Medicaid and fully insured and self-funded employer-sponsored plans.

Testing must be provided at approved locations in accordance with U.S. Centers for Disease Control and Prevention (CDC) guidelines including FDA approved testing at designated labs around the country.

Learn more.

Will drive-up testing be an option?

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Get the answer in UnitedHealthcare’s COVID-19 Testing FAQs.

Does UnitedHealthcare cover the test for COVID-19?

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UnitedHealthcare and its self-funded customers will waive cost-sharing for COVID-19 testing during this national emergency. They are also waiving cost-sharing for COVID-19 testing related visits during this same time, whether the testing related visit is received in a health care provider’s office, an urgent care center, an emergency department or through a telehealth visit. This coverage applies to Medicare Advantage, Medicaid, and fully insured and self-funded employer-sponsored plans.

Testing must be provided at approved locations in accordance with U.S. Centers for Disease Control and Prevention (CDC) guidelines.

Other costs beyond the test and test-related physician office, urgent care, emergency room, Virtual Visit and telehealth visit, and items and services related to the visit will be covered based on terms in the medical plan and applicable state and federal mandates. Therefore, deductibles, copayments, and coinsurance would apply to care, and certain services or supplies beyond the test itself and test-related provider visit.

Learn more.

Will diagnostic testing for COVID-19 be covered as a preventive service under the Affordable Care Act (ACA)?

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Get the answer in UnitedHealthcare’s COVID-19 Testing FAQs.

What should a client do if they wish to cover more than just the test and test related expenses at no cost share?

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UnitedHealthcare is able to accommodate a client that wishes to cover certain services above and beyond cost-share on diagnostic testing or test-related visit or to cover COVID-19 treatment. The client should discuss it with the UnitedHealthcare account team. Learn more.

If the test comes back positive for COVID-19, will the member’s treatment be covered?

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Get the answer in UnitedHealthcare’s COVID-19 Testing FAQs.

Do high-deductible plans with a Health Savings Account (HSA) cover the COVID-19 test prior to reaching a deductible?

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Get the answer in UnitedHealthcare’s COVID-19 Testing FAQs.

Can a member self-refer for the test?

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Get the answer in UnitedHealthcare’s COVID-19 Testing FAQs.

What is the process if an employer group requests to opt out of covering the test or test related expenses?

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Based on federal legislation passed on March 18, 2020, all plans are required to cover these services without cost-sharing during the emergency period.

Learn more.