COVID-19 Tests: Our Stance

Our commitment to you.

We stand with our community, the country, and the world as we work to flatten the curve of COVID-19. To help flatten the curve, it is important that we all work together to prevent the spread of coronavirus and free up our healthcare system as it braces for and handles cases that arise. 

Below is our stance on how we as an insurance company are doing our part to help you and those we insure through this difficult time. 


COVID-19 Testing

The healthcare system is currently experiencing unprecedented stress. With the influx of COVID-19 cases, it is critical that we do our part to help the healthcare system run properly.

We urge you to consult with your physician before requesting a COVID-19 test.

If your physician deems it necessary for you to be tested for COVID-19 here's what we can do for you:

EMI Health will waive member co-pays, deductibles, and other cost sharing for Coronavirus (COVID-19) diagnostic testing, up to the plan's maximum allowable charges, when ordered by a physician and performed by an accredited laboratory or medical facility.

EMI Health will also cover one Serology test, which is a test looking for the presence of COVID-19 antibodies.

It is important to note that the test must be ordered by a physician. EMI Health does not cover over-the-counter home test kits or any test performed for surveillance, employment, or travel purposes.


What if my physician won't order the test?

This can be frustrating. Unfortunately, EMI Health does not have any influence on who is tested. If you live in Utah, visit to see if you qualify for a free test. The FDA recently issued Emergency Use Authorization (EUA) for COVID home tests that do not require a prescription. Individuals may choose to purchase those tests, but should be aware that EMI Health does not cover over-the-counter home test kits or any test performed for surveillance, employment, or travel purposes.


If we, as a group order a facility to come to the place of employment and test all employees, will that be covered?

Unfortunately, we are not covering these types of arrangements at this time. The tests will only be covered at 100% if the test is ordered by a physician and administered by an accredited laboratory of facility.


Customer Service

We have taken preventive measures for the health and well-being of our customer service team. Similar to many other employers in Utah, we are experiencing staffing challenges and are working diligently to overcome them. We remain committed to our customer service department being fully staffed and available to assist with member questions.

You may contact the customer service team at 1-800-662-5851 or you can use the email address:

Business operations will continue uninterrupted. It is possible that call wait times may be longer than usual. Rest assured that we will continue to serve your health coverage needs.


Stay Safe

Remember to stay safe, practice social distancing, and find ways to stay active.

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