Coverage and Resources for Coronavirus (COVID-19)

What does UnitedHealthcare cover for Medicare Advantage and Medicaid members?

COVID-19 testing-related visits

UnitedHealthcare is waiving cost-sharing for COVID-19 testing-related visits during the national public health emergency period, scheduled to end January 20, 2021, whether the testing-related visit is received in a health care provider’s office, urgent care center, emergency department or via a 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 locatorto find a testing center.

  • Testing for virus/antigens and antibodies. There are different types of tests now. The virus/antigen test determines if you currently have COVID-19 and the other (an antibody test) determines if you have been exposed to COVID-19. Talk to your health care provider. If they agree that you or your loved one should be tested, UnitedHealthcare will waive cost-sharing at any CDC-approved testing site for fully insured Medicaid and Medicare members until January 20, 2021. Examples include your doctor or provider's office, an urgent care center, or emergency room. 

  • Covid-19 Treatment. To help you access the COVID-19 treatment you need, UnitedHealthcare is extending cost-share waivers for our Individual, Fully-Insured Group Market and Medicare Advantage health plans, as noted below:
    • Individual and Fully-Insured Group Market plans: You will have $0 cost-share (copay, coinsurance and deductible) for network visits, including a telehealth visit, for COVID-19 treatment through Dec. 31, 2020. Out-of-network cost-share waivers will end Oct. 22, 2020. After that date, coverage for out-of-network services will be determined by your benefit plan. Implementation for self-funded customers may vary.
    • Medicare Advantage health plans: You will have $0 cost-share (copay, coinsurance and deductible) for in-network and out-of-network visits, including a telehealth visit, for COVID-19 treatment through Dec. 31, 2020.
    • For individuals enrolled in UnitedHealthcare Community Plans: State variations and regulations may apply during this time..

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

Remember to always show your UnitedHealthcare ID card. Also, be sure to  let your primary care provider know about any testing or treatment you be be having. 

Footnote:
1 This date is subject to change based on Federal or State guidance.

Coverage for telehealth visits not related to COVID-19 testing

Medicare:
Coverage for telehealth visits not related to COVID-19: For in-network and out-of- network providers, you have expanded access to telehealth through Dec. 31, 2020. This includes telehealth visits for medical, mental health (behavioral), physical therapy, occupational therapy, speech therapy, chiropractic, home health, vision, hearing and dental services.
You will have $0 cost-share for in-network and out-of-network primary care telehealth services through December 31, 2020. UnitedHealthcare has chosen to extend this cost-share waiver to help you get the routine medical care you need.

Cost-sharing for non-primary care telehealth will be processed according to your benefit plan as of Oct. 1, 2020. You will be responsible for any copay, coinsurance and deductible, according to your benefit plan.

Medicaid:
For individuals enrolled in UnitedHealthcare Community Plans, state variations and regulations may apply during this time. Please review the UnitedHealthcare Community Plan website and your state’s site for the latest applicable information. If no state-specific exceptions apply, traditional UnitedHealthcare plan guidelines will apply.

For benefits coverage information, please sign in to your health plan account or review the additional COVID-19 coverage options that may be available.

Virtual visits for 24/7 urgent care

For Medicare Advantage and Medicaid members, you can continue to access your existing Virtual Visit benefits offered through one of our preferred telehealth partners without cost-sharing. 

If you have questions or need information about your benefits

Call the number on your member ID card or sign in to your health account.

How to get a Coronavirus (COVID-19) test

If you think you might have been exposed to Cornavirus (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 provider using FaceTime, Skype or Zoom, which is called telehealth (virtual visit). If your health care provider agrees you should be tested, they will coordinate where you will get tested.

Mobile and drive-up testing may be an option. You will still require a medical provider order for the test, unless otherwise directed by your respective government agency. If your provider orders a COVID-19 diagnostic test for you, use our locator to find a testing center.

Support for our highest risk members: Medicare Advantage and Medicaid

The CDC says that older adults and people of any age who have serious underlying medical conditions might be at higher risk for severe illness from Coronavirus (COVID-19). Examples of serious underlying medical conditions are chronic heart or lung conditions, asthma, compromised immune system, diabetes, chronic kidney and liver disease. If you are pregnant, have a disability or experiencing homelessness, you may also be at a higher risk. 

If you fall into a category above, your provider may ask you to stay indoors away from others (self-isolate). UnitedHealthcare is here to help you during that time and to help reduce your potential exposure to the virus. We can help you with how to get medications, supplies, food and care. You can also find out about support programs.

Members, please call the phone number on the member ID card. When you call, let them know your health care provider prescribed self-isolation.

Learn about precautions to take if you're a Medicare Advantage member or at risk.

Additional Resources for Members

UnitedHealthcare expanded access to telehealth so you can stay in the comfort of your home and get the right care. Telehealth (virtual visits) can be used for both Coronavirus (COVID-19) and non-Coronavirus (COVID-19) health care needs.

In a stressful time, it can be hard to cope. Talking to someone may help you feel better. 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.

You may ask your pharmacy for an early prescription refill if you have UnitedHealthcare prescription drug coverage or an OptumRx pharmacy benefit through October 22, 2020. Check your supply to see if you need to ask for a refill. Think about 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.

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

Frequently Asked Questions

Call your health care provider right away if you believe you might have been exposed to Coronavirus (COVID-19) or have symptoms such as fever, cough or difficulty breathing. 

You can find a network health care provider by signing in to your health plan account or by speaking with an advocate by calling the phone number on your UnitedHealthcare member ID card.

Drive-up and mobile testing may be an option.  You will still require a medical provider order for the test, unless otherwise directed by your respective government agency. Your health care provider or government agency will help coordinate where you can be tested.

We do not want you to worry. Talk to your provider. Your provider does not have to do special paper work (called a prior authorization) with UnitedHealthcare through October 22, 2020. As long as you are a member and moving to a different post-acute care setting this is an option. (Examples of post-acute care settings are skilled nursing facility, long-term acute facilities, in-patient rehab or home health care.) The provider who admitted you will simply let us know within 48-hours of your move.  

Learn more about Coronavirus (COVID-19)

Learn about the virus, the symptoms to look for and what you can to you don't get sick and to help keep others safe.  

[Gentle background music plays while text introductions appear on the screen]

COVID-19

What are Coronaviruses?

[Narrator:] Coronaviruses are a family of common viruses that can cause illness in both animals and people.

[Severe Acute Respiratory Syndrome (SARS), Middle East Respiratory Syndrome (MERS)]

Severe Acute Respiratory Syndrome and Middle East Respiratory Syndrome are two well-known coronaviruses.

In January of 2020, the World Health Organization announced a new coronavirus, now called COVID-19, which caused an outbreak of respiratory illness in the city of Wuhan in China’s Hubei Province.

We’re still learning about how this virus spreads, and rely on the United States Centers for Disease Control and Prevention and the World Health Organization for guidance. 

Here’s what we know about COVID-19:
 

How does COVID-19 spread?

Currently, it is thought that it spreads mainly through respiratory droplets that are coughed or sneezed into the air by an infected person.

It may also spread when an individual touches an infected surface and then touches his or her mouth, nose or eyes. 

What are COVID-19 Symptoms?

COVID-19 symptoms may be similar to a respiratory infection.

Primary symptoms may include: fever, cough and shortness of breath.

Some people, the elderly or the immune-compromised, may experience complications including pneumonia and overwhelming infection, known as sepsis.

How to help protect against COVID-19.
To best protect yourself from this coronavirus:

Wash your hands frequently with soap and water for at least 20 seconds.

Use an alcohol-based hand sanitizer.

Avoid touching your eyes, nose and mouth.

Avoid close contact with people who are sick.

Clean and disinfect frequently-touched surfaces, including your phone and computer.

Cover your nose and mouth with tissue when you cough or sneeze, then throw the tissue in the trash immediately.

For updated information, guidance and travel alerts, visit the US Centers for Disease Control and Prevention or the World Health Organization.

UnitedHealthcare will continue to actively monitor public health resources to ensure we respond appropriately to the needs of our customers and members.

Disclaimer: Source: US Centers for Disease Control and Prevention (CDC). https://www.cdc.gov/ World Health Organization (WHO). https://www.who.int/emergencies/diseases/novel-coronavirus-2019

Disclaimer

The benefits described on this website describe federal requirements and UnitedHealthcare national policy, additional benefits may be available in some states and under some plans.

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.