A view of the Secretariat Building, with Members States’ flags flying in the foreground, at United Nations headquarters in New York. UN Photo/Rick Bajornas

UN New York Health Insurance Plans

Key Points

  • In general, the normal insurance provisions apply for COVID-19 as for any other condition, with regular benefits or co-pays
    • A consultation for COVID-19 is just a routine consult
    • A COVID-19 test ordered by a doctor has no co-pay (currently waived)
    • Any ER or hospital inpatient costs are covered as normal
  • Both Aetna and Blue Cross have telehealth options so that you don’t have to visit a health facility in person – by phone, video or mobile – see below for details and costs

UN staff insurance will cover costs related to treatment of COVID-19 as for any other illness. If your doctor orders the test, or if you require hospitalization, there should be no concern that the actual diagnosis is (or is not) coronavirus. Always refer to your insurers webpage and guidance to determine copayments or other costs that may be incurred for health care.

Consultation: In general, a visit regarding respiratory illness will be treated as a routine doctor’s visit with a routine co-pay*.

Testing: Co-pay will be waived for all diagnostic testing related to COVID-19*.

Telehealth: Both Empire and Aetna have a telehealth capability where you speak with a doctor remotely. This is highly advised for COVID-19 and reserves healthcare facilities for seriously ill patients. A doctor can provide advice and if necessary a prescription. Both are paid services with a fee that depends on the service provided.



Go to livehealthonline.com for information on how to sign up or call 1-888-LiveHealth (1-888-548-3432). As at 15 March, the UN is investigating whether the cost can be made the equivalent (or less) than a standard in-person consultation.



Go to Teledoc.com/aetna for information on how to sign up or call1-855-teladoc Until June 4, 2020, Aetna offers a $0 co-pay video visits with Teladoc (Download the Aetna Health app to start a free Teladoc visit).

Medication: All insured members who are regularly taking medications should to talk to their doctor about whether it is appropriate for them to change from a 30-day supply of their regular medications to a 90-day supply.

A number of local pharmacies including CVS Pharmacy will waive charges for home delivery of prescription medications, which allows to avoid coming to the pharmacy for refills or new prescriptions. We encourage staff members with underlying medical conditions or who are unwell to stay at home as much as possible and use home delivery for their medication supply.

For further information or support, please call your insurance provider. The number is on the back of your insurance card.

* From the Empire website “If your in-network provider orders a coronavirus test, your Empire health plan will cover the cost for the test and the in-network provider care visit and you will not be subject to any cost sharing”.

* From the Aetna website “If you meet the Centers for Disease Control and Prevention (CDC) guidelines for testing, and it’s requested by your doctor, we’ll waive the cost for testing. There may be a cost associated with your doctor visit.”