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Over-the-counter at-home COVID-19 tests

Many UnitedHealthcare members can get over-the-counter (OTC) at-home COVID-19 tests, at little or no cost.

  • UnitedHealthcare Medicare Advantage plan members: This particular benefit does not apply to Medicare Advantage members. However, there are options for free tests and testing. See below for more information. 
  • UnitedHealthcare Community Plan members: Medicaid members may have access to covered OTC at-home testing depending on state coverage policies. Please call the number on the back of your member ID card to understand coverage in your state. See below for more information on free tests and testing. 

How to get OTC at-home COVID-19 tests

The Federal government has launched a national website where each household can receive two shipments of four free OTC at-home Covid-19 tests shipped directly from covidtests.gov

For more information on this program go to covidtests.gov.


For Medicare Advantage members

Your UnitedHealthcare Medicare Advantage plan may have a benefit that can be used to get OTC at-home COVID-19 tests. Sign in to medicare.uhc.com to learn if OTC benefits are part of your Medicare Advantage plan. Check your Over-the-Counter Products Catalog or Over-the-Counter Products Card benefit to confirm.

UnitedHealthcare Medicare Advantage members are not eligible for reimbursement of OTC at-home COVID-19 tests purchased without a physician’s order. All of our Medicare Advantage plans cover COVID-19 testing when ordered by a physician with a $0 cost-share.

UnitedHealthcare Medicare Supplement plans and UnitedHealthcare Medicare Prescription Drug Plans do not cover or reimburse for purchases of OTC at-home COVID-19tests. For information on Original Medicare coverage for COVID-19 testing, see Coronavirus Test Coverage (medicare.gov).

Free Testing Availability

On the Federal government website covidtests.gov, your household can receive two shipments of four free over-the-counter (OTC) at-home COVID-19 tests directly from covidtests.gov. More information on this offer at covidtests.gov.

As always, COVID-19 testing is free when you go to a COVID-19 testing location instead of testing at home. Find a COVID-19 testing location near you.

Over-the-counter (OTC) at-home COVID-19 tests are not covered by Medicare, but Medicaid coverage for those tests may be available for dually eligible members, including those enrolled in a dual eligible special needs plan (D-SNP). To see if Medicaid covers OTC at-home COVID-19 tests for you, call the phone number on your member ID card. 

Also, most UnitedHealthcare D-SNPs have an OTC benefit that can be used to get at-home COVID-19 tests.  To see if your D-SNP includes this benefit, sign in to your account for more information. 

All UnitedHealthcare D-SNPs also cover, with a $0 cost share, COVID-19 tests that are ordered by a health care provider.

Free testing availability

Through the Federal government, each household can order two shipments of 4 free OTC at-home COVID-19 tests directly from covidtests.gov. Learn more about this offer at covidtests.gov.

As always, COVID-19 testing is free when you go to a COVID-19 testing location instead of testing at home. Find a COVID-19 testing location near you.


For UnitedHealthcare Community Plan members

Coverage of COVID-19 testing is determined by each State Medicaid program, and specifics regarding coverage vary by state. For those that are dually eligible for Medicaid and Medicare, the administrator of their Medicaid benefits should provide guidance on their coverage. Members should call the number on the back of their card if they have questions.

Free Testing Availability

On the Federal government website covidtests.gov, your household can receive two shipments of four free over-the-counter (OTC) at-home COVID-19 tests directly from covidtests.gov. More information on this offer at covidtests.gov.

As always, COVID-19 testing is free when you go to a COVID-19 testing location instead of testing at home. Find a COVID-19 testing location near you.

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.