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, currently scheduled to end April 15, 2022, you will have $0 cost-share (copayment, coinsurance or deductible) for medically appropriate COVID-19 testing when ordered by a physician or health care professional for 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. For individuals enrolled in UnitedHealthcare Community Plans, state variations and regulations may apply during this time. Benefits will be otherwise reviewed in accordance with your health plan.
If COVID-19 testing is needed for your employment, education, public health or surveillance (monitoring) purposes, UnitedHealthcare will cover the testing when required by applicable law. Benefits will be processed according to your health benefit plan, and health benefit plans generally do not cover testing for surveillance or public health purposes. We continue to monitor regulatory developments during emergency periods.