Insurance coverage information for HealthPartners members
If you have HealthPartners insurance, we understand you may have questions about coverage related to COVID-19. Here you can find our latest health plan information.
To begin, select the date you received (or plan to receive) COVID-19 health care or services.
Rapid COVID-19 diagnostic testing at home
Your coverage for rapid COVID-19 testing at home may vary depending on what kind of plan you have.
COVID-19 diagnostic testing performed in a clinic
Your coverage for COVID-19 diagnostic testing performed in a clinic may vary depending on what kind of plan you have.
COVID-19 antibody (serology) testing
Antibody (serology) 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.
Your coverage for COVID-19 antibody testing may vary depending on what kind of plan you have.
E-care, phone and video visits related to COVID-19 testing
Your coverage for virtual care related to COVID-19 testing may vary depending on what kind of plan you have.
COVID-19 vaccine coverage
Generally, COVID-19 vaccines are 100% covered, but your coverage for may vary depending on what kind of plan you have.
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, it’s covered. Your cost-sharing amount depends on which kind of plan you have.
COVID-19 virtual visit coverage
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,
Rapid COVID-19 diagnostic testing at home
Your coverage for rapid COVID-19 testing at home may vary depending on what kind of plan you have.
COVID-19 diagnostic testing performed in a clinic
Your coverage for COVID-19 diagnostic testing performed in a clinic may vary depending on what kind of plan you have.
COVID-19 antibody (serology) testing
Antibody (serology) 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.
During the COVID-19 pandemic, HealthPartners covers all COVID-19 antibody tests that are:
- Ordered by a doctor or appropriately licensed provider, AND
- For medically necessary purposes, AND
- On the Food and Drug Administration (FDA) Emergency Use Authorization (EUA) list or a state-approved test list
For all members, including MHCP plan members (Medical Assistance/Medicaid), HealthPartners covers the full cost of antibody testing that meets the above guidelines.
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.
E-care, phone and video visits related to COVID-19 testing
All e-care, phone and video visits associated with COVID-19 testing are covered, including visits at
If COVID-19 testing is not performed, these visits are subject to your standard coverage.
COVID-19 vaccine coverage
The cost of COVID-19 vaccines is covered 100% – with no cost sharing (copays, deductibles, etc.) – for all HealthPartners members, including MHCP plan members (Medical Assistance/Medicaid).
In addition, Medicare is covering the cost for most Medicare beneficiaries, including HealthPartners® Minnesota Senior Health Options (MSHO) (HMO SNP) members.
All forms of the vaccine are covered – including
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, it’s covered. Your cost-sharing amount depends on which kind of plan you have:
- Fully insured employer plan, individual and family plan, and Medicare plan members – Your plan’s standard cost-sharing amounts apply.
- MHCP plan members (Medical Assistance/Medicaid) – Cost-sharing amounts related to acute COVID-19 treatment, including hospital admissions, are waived until the federal and state governments end the public health emergency.
- Self-insured employer plan members – For most plans, your plan’s standard cost-sharing amounts apply. Please call Member Services at the number on the back of your member ID card to understand your specific plan’s acute COVID-19 treatment coverage.
(Please note that any applicable cost-sharing waivers do not apply to care for ongoing complications after an acute COVID-19 infection has passed. For this kind of ongoing care, your standard coverage and cost-sharing amounts apply.)
COVID-19 virtual visit coverage
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,