COVID-19 coverage

Throughout the COVID-19 pandemic, Independence Administrators has been committed to working with your group health plan to help you get the care you need.

COVID-19 vaccinations and boosters

COVID-19 vaccines are important tools that help reduce the risk of severe disease, hospitalization, and death. Your group health plan covers the COVID-19 vaccine and booster at no cost when obtained from an in-network provider or pharmacy. If the vaccine is administered by an out-of-network provider or pharmacy, standard cost-sharing will apply. Check your benefits to confirm if you have out-of-network coverage. Log in at to find a provider.

If you received the COVID-19 vaccine at the pharmacy and paid out of pocket for it, you can use the Prescription Reimbursement Request Form to submit for a reimbursement.


Standard cost-sharing will be applied according to your group health plan benefits for FDA-approved COVID-19 diagnostic tests, such as PCR tests. Over-the-counter COVID-19 tests are not reimbursed. If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can submit for reimbursement through those programs.

Virtual care for physical and behavioral health

Virtual doctor visits: Standard cost-sharing will apply for all telemedicine visits with your primary care physician (PCP) and specialists. Log in at to find a provider.

Virtual behavioral health visits: Standard cost-sharing will apply for all virtual visits with a behavioral health provider. Log in at to find a behavioral health provider.

Virtual care visits through MDLIVE®: Standard cost-sharing will apply according to your benefits for virtual care visits through MDLIVE. Get started at MDLIVE.

Symptoms & care

Call your doctor if you think you’ve been exposed to COVID-19 and develop symptoms. 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.

Outpatient treatments for COVID-19 are available. These antiviral drug options can help patients at high risk for severe COVID-19. Speak with your doctor as soon as symptoms appear to learn more about treatment options and determine if you are eligible. Please review the terms of your health benefits plan for coverage information.

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