Care and Services Available for COVID-19 (Coronavirus)

COVID-19 vaccinations

Vaccine coverage. COVID-19 vaccines reduce the risk of severe disease, hospitalization, and death, and slow spread of the virus. Your Group Health Plan covers the cost of administering vaccines with no cost share (such as co-pays, deductibles, coinsurance) for members as per their ACA Preventive Care benefit.

Booster coverage. Your Group Health Plan covers the cost of administering the Pfizer and Moderna booster shots for certain immunocompromised individuals (e.g., organ transplant recipients). Independence will also cover booster shots for the broader population once formal authorization from the FDA is received.

Staying healthy

Wear a mask. Public officials and health experts are urging us to wear masks indoors or in large crowds, regardless of vaccination status. COVID-19 and its variants — like the Delta variant — spread from droplets released into the air when we cough, sneeze, or talk.

Practice social distancing. Limit close contact with anyone outside of your household. Even if you’re wearing a mask, it’s still recommended you stay at least six feet from others when in public, or at least two arms’ length apart.

Wash your hands regularly. Viruses also spread from touching recently contaminated surfaces and then touching your face. Washing your hands is one of the most importance defenses against the spread of COVID-19 and other illnesses. Keep hand sanitizer on you for when you don’t have access to soap and water.

Symptoms and testing

Check your symptoms. If you think you’ve been exposed to COVID-19 and develop symptoms, call your doctor. Visit the Centers for Disease Control and Prevention (CDC) for more details on symptoms, including those for people who already received a COVID-19 vaccination.

Testing is covered. Your Group Health Plan covers the cost for medically appropriate diagnostic and antibody testing ordered by a physician or authorized by a health care professional at no cost to the member. This coverage is in accordance with all federal mandates through the end of the public health emergency². Independence does not cover tests that are needed for return to work, a condition of employment, return to school, or for travel. Learn more about the differences between diagnostic and antibody tests in this infographic. Please review the terms of your health benefits plan for additional information.

Find a test location


Visit a doctor from anywhere¹. Telemedicine services for a COVID-19 related diagnosis from your primary care doctor are covered at no cost through December 31, 2021². Telemedicine services from your doctor for a non-COVID diagnosis are available for same cost as an office visit, based on your health plan.

MDLIVE. You can also schedule a telemedicine appointment with a doctor 24/7 with MDLIVE¹ at no cost, depending on your plan. MDLIVE doctors can assess your symptoms and help with next steps. Register or login at

Getting care

Treatment is covered¹. Your Group Health Plan may waive members cost share for in- network, acute in-patient treatment of COVID-19 through December 31, 2021². Cost sharing will be applied to post-acute care (e.g. skilled nursing, rehabilitation and long term acute care facilities), outpatient treatment, prescription drugs, ambulance transportation to a post-acute setting, and out of network care.

Additional care support

Coverage for pulse oximeters¹. Pulse oximeters are small, portable devices that monitor oxygen levels in the blood and pulse rate. Your Group Health Plan may cover the cost of consumer grade pulse oximeters through December 31, 2021 for members who have a COVID-19 diagnosis, are recovering from a COVID-19 hospitalization, or have respiratory symptoms while waiting for COVID-19 test results. If applicable, pulse oximeters must be prescribed by an in-network doctor and purchased through an in-network supplier.

Your emotional health

Virtual visits for mental health¹. If you have mental health benefits through your Group Health Plan, you can talk to an in-network mental health counselor online or on the phone. The cost will be the same as a mental health specialist visit. Call the number on the back of your ID card or visit to find a provider.

Need to find a doctor?

Login at to find a doctor.

1 Please note: For employers who are self-insured, coverages may vary. If you have coverage through your employer, please check with them about how these programs apply.

2 The Families First Coronavirus Response Act (FFCRA) and Coronavirus Aid, Relief, and Economic Security (CARES) Act mandate that member cost sharing (deductible, co-pays and coinsurance) is waived both in and out-of-network for the testing and diagnosis of COVID-19 through the public health emergency. For High Deductible Health Plans, in-network cost sharing waivers detailed above will remain in effect through the public health emergency unless prohibited by law.

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