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Covid Testing

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Guys, need your help. 

Trying to find better place for covid tests. 

I have 2 different types of urgent centers near my home. I have insurance, United Healthcare 

But if I understand correctly, they will charge insurance for Dr office visit during covid test and that would mean that I must pay co-pay for urgent care. Based on my insurance 

Is that how it usually works? 

It's never just covid test, it's counts as a Dr visit? 

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