Insurance coverage information for HealthPartners members

If you have HealthPartners insurance, we understand you may have questions about coverage for COVID-19 testing, treatment or other services. Here you can find our latest health plan information for COVID-19.

Have questions about your specific situation? Call Member Services at the number on the back of your member ID card. We’re here to help.

COVID-19 vaccine coverage

Yes. The cost of COVID-19 vaccines is covered 100% – with no cost-sharing (copays, deductibles, etc.) – for all HealthPartners members. In addition, Medicare is covering the cost for most Medicare beneficiaries.

Neither the type of vaccine nor the dosage affects your coverage – all forms of the vaccine are covered.

COVID-19 testing coverage

All HealthPartners members have 100% coverage for COVID-19 testing.

Yes. All e-care, phone and video visits associated with COVID-19 testing are covered, including visits at Virtuwell, Doctor on Demand, Teladoc and other e-care providers. If COVID-19 testing is not performed, these visits are subject to your standard coverage.

During the COVID-19 pandemic, HealthPartners covers all COVID-19 diagnostic tests that are:

1.    Ordered by a doctor or appropriately licensed provider, AND

2.    For medically necessary purposes, AND

3.    On the Food and Drug Administration (FDA) Emergency Use Authorization (EUA) list or a state-approved test list

HealthPartners covers 100% of the cost for all testing that meets the above guidelines, which most testing does. This includes PCR testing (which takes a sample of the mucus from a person’s nose or throat) as well as saliva testing (which takes the sample from a person’s saliva) to determine if a person has an active infection of the SARS-CoV-2 virus, the virus that causes COVID-19.

Coverage includes tests done in any location that meet the above guidelines, including at-home tests. Coverage also includes testing for both symptomatic and asymptomatic people.

It’s important that diagnostic tests be ordered by a doctor or other appropriately licensed provider. If you order a test on your own, it may not be covered.

During the COVID-19 pandemic, HealthPartners covers all COVID-19 antibody tests that are:

1.    Ordered by a doctor or appropriately licensed provider, AND

2.    For medically necessary purposes, AND

3.    On the Food and Drug Administration (FDA) Emergency Use Authorization (EUA) list or a state-approved test list

HealthPartners covers the full cost of antibody (serology) testing that meets the above guidelines. These tests are used to determine if a person has previously had, and recovered, from COVID-19. Tests are done by testing a sample of a person’s blood.

It’s important that antibody tests be ordered by a doctor or other appropriately licensed provider. If you order a test on your own, it may not be covered.

It’s important you work closely with your doctor or provider to determine whether it makes sense for you to get a test. They can assess what the medical benefit of getting a test may be and, if testing is appropriate, where the best testing location is to ensure you get a valid test at a lab that’s in your network.

No. HealthPartners covers COVID-19 diagnostic tests when they’re (1) ordered by a doctor or appropriately licensed provider, AND (2) for medically necessary purposes.

At-home tests obtained without a doctor or provider’s order are not covered. The cost of at-home tests may range anywhere from $30 to $150.

Covered COVID-19 testing and vaccination locations

It’s important to be tested at a lab that’s using a test authorized by the FDA or a state health authority. You should consult with your doctor to find an appropriate testing site within your plan’s network.

HealthPartners Care Group provides COVID-19 testing at many locations. You can also search other in-network providers.

We strongly recommend seeking testing and vaccination at in-network locations, when possible. This makes it faster and easier to pay your costs.

Testing and vaccination at out-of-network locations is covered 100%. However, we’ll need some additional information to pay your claim.

For additional questions, please call Member Services at the number on the back of your Member ID card.

COVID-19 treatment coverage

In the majority of COVID-19 cases, people are directed to self-care, self-quarantine, and contact their doctor or provider as needed. Most people recover from COVID-19 without needing additional medical treatment.

If you do need acute medical care directly related to your diagnosis of COVID-19, HealthPartners is waiving the cost of COVID-19 treatment for members on fully insured employer, individual, Medicare and Medicaid plans. This includes copays, coinsurance and deductibles.

  • For fully insured employer and individual members, this cost waiver extends through December 31, 2021. In 2022, your standard coverage will apply.
  • For Medicare and Medicaid members, this cost waiver extends until the federal government declares an end to the public health emergency.
  • For self-insured employer plan members, please call Member Services at the number on the back of your member ID card to understand your coverage.

To be covered at your highest benefit level, care must be obtained from an in-network provider.

(Please note that the cost waiver does not apply to care for ongoing complications after an acute COVID-19 infection has passed. For this kind of ongoing care, your standard coverage applies.)

Coverage for other treatment during the COVID-19 pandemic

Medicare members have waived cost-sharing on primary care and mental health care from July 1, 2020, through December 31, 2020. This includes copays, coinsurance and deductibles.

Virtual visits for services not related to COVID-19 testing and diagnosis follow the member’s regular plan coverage and cost sharing.

For example, a virtual office visit for an illness will be covered under your Office Visit for Illness or Injury benefit, just like an in-person visit would be. This includes virtual visits for physical therapy, speech therapy and occupational therapy.

To review your plan coverage, sign in to your HealthPartners account or call the Member Services number on the back of your member ID card.