What you need to know
With information about COVID-19 changing rapidly and impacting daily life, PayPal wants you to take good care of yourself and your family, including your physical and emotional well-being. The impact of COVID-19 affects everyone differently, and you have several support resources available to you.
Health plan support
Free access to testing and testing related services
If you meet the CDC guidelines for testing, and it’s requested by a doctor or pharmacist (either in-person or a telehealth visit), all costs (copayment, coinsurance, deductible) are waived for FDA approved COVID-19 testing in-network or out-of-network. This includes the diagnostic test, which determines if a person is currently infected with COVID-19 and the antibody test which may determine if a person has been exposed to COVID-19. Coverage is effective for dates of service February 4, 2020, until April 15, 2022. There are many different testing scenarios and experiences may vary. While insurance will cover the cost of the test itself, you will want to check with the testing location to see if they will be submitting the claim to insurance or if it is your responsibility to submit the claim.
Q: What’s a referral and do I need one to get tested?
A: A referral is when your Primary Care Physician (PCP) refers you to another doctor for testing. With regards to COVID-19 testing, this is not needed as long as you meet the CDC guidelines. The test is ordered by a doctor or pharmacist. When a claim is submitted for the test, that doctor or pharmacist will be listed as the ordering provider.
Q: I went to a drive-up testing location and didn’t have a referral.
A: If you go to a drive-up location and meet CDC guidelines for testing, they have health care professionals onsite. When the claim for the test is submitted to insurance, they will be listed as the ordering physician.
Q: The testing location charged me; doesn’t insurance pay for the test?
A: The test itself is covered under insurance. You should confirm if the testing location will be submitting the claim, or if it is your responsibility to submit the claim to insurance. Some locations may charge an administrative fee. Check with the testing location in advance. To submit your claim to UHC for processing, visit myUHC.com or call 1-844-298-2737.
Q: I had to pay for the rapid test. Why?
A: The rapid test itself is covered under insurance. You should confirm whether the testing location will be submitting the claim to insurance directly, or if it is your responsibility to submit the claim to insurance. Some locations may charge an administrative fee. Check with the testing location in advance. To submit your claim to UHC for processing, visit myUHC.com or call 1-844-298-2737 for claims assistance.
Q: I want to get tested because I think I was exposed, or I plan to travel and it’s recommended I get tested. Will insurance cover the test?
A: The test itself will be covered under insurance. However, testing locations follow CDC guidelines and will only perform the test if you meet those guidelines. For example, they will ask if you have traveled out of the country recently. If yes, a test would be needed.
Q: Are home testing kits covered?
A: Yes. See the U.S. benefits coverage for COVID-19 rapid antigen at home tests section below for more information.
Virtual visits through AmWell, Doctor on Demand, or Teladoc
Sign in to your myuhc.com account to get started, and then download the UHC app (App Store or Google Play) to use your mobile device. Chat with a doctor by phone or video 24/7. COVID-19 related virtual visit costs are waived until April 15, 2022. Costs for virtual visits not related to COVID-19 are covered under plan benefit levels. Virtual visits can be used for advice and guidance about COVID-19 but cannot be used to test for or treat it.
Talk to your health care provider
Your local medical provider may be able to provide a telehealth visit through live video conferencing or audio-only. Costs for local provider telehealth visits for COVID-19-related advice, in-network or out-of-network, are waived through April 15, 2022. Non-COVID telehealth services, in-network and out-of-network visits will be covered at plan benefit levels.
Find the latest information
Visit the UHC COVID-19 page.
Get your prescription medications
In response to COVID-19, CVS Caremark has made it easier to obtain medications from home.
- Get 90-day supplies of most maintenance medications delivered by mail with no delivery fees. Express 1- to 2-day home delivery is also available at no cost if using a CVS or Target pharmacy.
- Contact your other in-network pharmacy to confirm if they provide no-cost delivery.
For the most up-to-date information, visit Info.Caremark.com/COVID19.
If you’re diagnosed with COVID-19, additional services, including hospital admission (if applicable), will be covered according to your plan benefits. You won’t have to pay for costs related to COVID-19 testing, including home test kits. Visit the Kaiser COVID-19 page for the latest updates on your Kaiser coverage.
Get the care you need by using telehealth services. 24x7 care advice, email, phone, and video visits with your provider are available as alternatives to in-person appointments. Virtual visits using video technology are also available at no cost to members. Call the advice number on your Kaiser Permanente membership card for instructions.
Order prescriptions by mail
Fill your prescriptions through mail-order service, and avoid the pharmacy waiting room. Plus, most mail-order prescriptions come in a 3-month supply for the price of 2 months.
Sign up for your COVID-19 vaccination
Schedule your COVID-19 vaccination or booster as soon as you can. The vaccines are safe, effective, and lifesaving. Vaccines are available to everyone age 5 and up.
Here’s how to schedule yours:
- Request an appointment at Kaiser Permanente at kp.org/covidvaccine. Please don’t email your doctor for an appointment—your care provider can’t schedule your vaccine appointment. If you don’t have access to kp.org, call 866-454-8855 (northern California), or 833-KP4-CARE or 833-574-2273 (southern California) for assistance. Note: they are currently experiencing high call volumes, so you may experience longer than normal wait times.
- Find an appointment on myturn.ca.gov. Search for available vaccination appointments at various locations in your area, including mass vaccination hubs and other authorized vaccine administrators.
- Go to your neighborhood pharmacy. Vaccines are also available at many local pharmacies at no cost.
For more information on the vaccine, visit kp.org/covidvaccine. You can also call our 24/7 KP COVID Vaccine InfoLine at 855-550-0951 (available in English and Spanish) for regular recorded updates.
U.S. benefits coverage for COVID-19 rapid antigen at home tests
The highly contagious omicron variant continues to spread throughout our communities. Vaccination and boosters provide the best protection against severe illness from COVID-19, and testing is also an important tool in slowing the spread. Rapid antigen home tests, also called rapid COVID tests or at-home self-tests, offer another way to help reduce the spread.
Following guidance from the Biden administration, effective January 15, 2022, all PayPal U.S. health plans will reimburse you for the cost of rapid antigen home tests, with coverage available for up to 8 tests per month for each person enrolled in the plan.
UnitedHealthcare (UHC) and CVS Caremark
Pharmacy benefits are provided by CVS Caremark for employees covered under the UHC health plan. There are two options for coverage related to cost of rapid antigen home tests:
- Direct reimbursement: Reimbursement for over the counter (OTC) COVID-19 tests without a prescription after purchase will start January 15, 2022, until the end of the Public Health Emergency (PHE). You can upload a copy of your receipt for reimbursement of your OTC COVID test(s) to CVS Caremark.
- Direct overage: The plan will cover the cost of OTC COVID tests with direct payment to the pharmacy (no out-of-pocket cost) you present your CVS Caremark ID card at point-of-sale.
CVS Caremark is also developing a direct-to-consumer shipping option. Watch for more information.
Kaiser Permanente HMO
Kaiser Permanente will reimburse you for FDA-approved rapid antigen home tests. You can submit a reimbursement claim for tests purchased on or after January 15, 2022. Kaiser Permanente, like other health care organizations, has access to a limited supply of tests and is working to receive more and make them available to covered members through several outlets, including mail-order. Visit kp.org for the most up-to-date information on supply, testing, and vaccinations. For more information, visit Kaiser’s COVID-19 testing FAQs.
How to receive an FDA-approved rapid antigen home tests
Rapid antigen home tests are a fast, easy way to get a quick result if you have symptoms, have been exposed to someone with COVID-19, or plan to gather indoors with those who may be at risk, including unvaccinated children, older individuals, and those who are immunocompromised. Results are typically available within 30 minutes.
- Rapid antigen home tests can be requested (up to quantity of 4 per household) without shipping fees from the federal government.
- Rapid antigen home tests can be purchased at local drug stores or online.
For additional information on how the rapid antigen home tests are covered under your health plan, visit the Centers for Disease Control and Prevention (CDC) website.
Benefit enrollment changes as a result of an eligible life event
As a result of COVID, the IRS has announced an extension to change your benefits. If you experience a qualifying life event such as marriage, the birth of a child, or loss of other coverage, you can now make a change to your benefit plan selections through “60 days after the end of National Emergency period.” Learn about qualified life events and how to update your elections.
COVID-19 vaccine information
Everyone 5 and older is now eligible to a get a free COVID-19 vaccination. Learn more about the different vaccines available by visiting the Centers for Disease Control and Prevention (CDC). To find a vaccine or booster near you, search vaccines.gov, text your Zip Code to 438829, or call 1-800-232-0233.
Employee Assistance Program
If you’re feeling stressed or worried, speak with a licensed mental health provider through the Employee Assistance Program (EAP). All sessions are confidential, and the service is free to you and your family members.
- Optum: Call 866-248-4096, or visit liveandworkwell.com and enter access code: PayPalUS, select “Behavioral Health Care Search,” and respond to the questions about the type of support you’re looking for.
- Arbor Family Counseling (Nebraska employees): Call 800-922-7379, or visit arborfamilycounseling.com and enter password: arbor.
These resources from Optum also may be helpful:
- Tips to help older adults during a quarantine
- Tips to help children during a quarantine
- Reigniting your health when working from home
- Mindfulness techniques for managing coronavirus anxiety at home and work
UHC behavioral health support
UHC members: Get online therapy from anywhere through Talkspace. Safely and confidentially message a licensed therapist 24/7 from your phone or desktop. No appointment required. You can also schedule real-time video sessions as needed. Read more, or get started at talkspace.com/connect.
Virtual support tools for Kaiser HMO members
myStrength is a personalized program that includes interactive activities, in-the-moment coping tools, inspirational resources, and community support.
Track your preferences and goals, current emotional states, and ongoing life events to improve your awareness and change behaviors.
Register now to access myStrength.
Calm app for self-care
The Calm app uses meditation and mindfulness to help lower stress, reduce anxiety and improve sleep quality.
Adult Kaiser members can access Calm at kp.org/selfcareapps.
Bright Horizons backup child/elder care
If you need child care assistance and your regular care is unavailable, you have access to Bright Horizons backup care to help support your family’s needs.
You may now receive 30 backup care uses per calendar year instead of the previous 10.
Family care support for COVID-19
Are you struggling to manage work and your child’s distance learning? Are you finding that you have more child care gaps than you used to? Your Bright Horizons Back-Up Care™ benefit can provide the support you need to navigate these challenges. Get high-quality care through an in-home care provider or in one of Bright Horizons child care centers, which have implemented enhanced COVID-19 protocols to give you peace of mind. Plus, all copays are currently waived.
Once you register, you’ll also have the option to secure care from within your own personal network (a neighbor, friend, or babysitter) and receive a reimbursement of $100 per day. Be sure to select out-of-network care during the back-up care reservation process.
Register in advance
Complete your care profile now (including required forms) so you’re prepared to reserve care when you need it. Visit backup.brighthorizons.com/paypal (Username: PayPal, Password: backup4u), or call 877-242-2737.
Follow these instructions for searching for a care provider.
Backup care options
Choose from center-based or in-home care options. With waived copays right now, this valuable benefit is made available to you at no cost!
Important information about Bright Horizons
As a result of extremely high demand due to COVID-19, you are likely to experience delays in reaching Bright Horizons when you need to secure backup child/elder care. Bright Horizons is working to add more customer service team members and improve the website to accommodate this increased volume. Here are a few things to keep in mind when accessing care:
- If you are a first-time user and experiencing issues with registering, please visit backup.brighthorizons.com/paypal (Username: PayPal, Password: backup4u) instead of calling Bright Horizons.
- Using backup.brighthorizons.com/paypal is the quickest way to access assistance at this time. Phone assistance could take 60 minutes or more.
- For the latest information from Bright Horizons on backup care services, visit brighthorizons.com/covid19.
You also have access to Sittercity, a web resource you can use to search for child care. Visit Sittercity, then click on "Use it" next to "Find Sitters, Nannies & Housekeepers."
Cleo parental coaching
Cleo provides support for new and expecting parents at no cost to you. Visit Cleo to download the app and activate an account using your work email. Even if you're not registered with Cleo, you can now access webcasts, blogs and resources to help with working from home while caring for your kids. See what's available.
These tools can help both you and your children navigate the world of at-home learning:
- Bright Horizons World at Home is a new way for you to keep your children learning during this time. Designed by education experts, World at Home features videos and activities for a wide range of curriculum areas, including yoga and mindfulness, STEM learning, language, story time, and cooking.
- PayPal’s Perks at Work has partnered with Community Online Academy to offer courses for both kids and adults, including a free offering every Thursday. Topics include meditation, dance, American Sign Language, and becoming a YouTuber.
- Rethink, a program for kids with developmental disabilities, is currently offering several specialized services and features, including remote consultation services and video-based lessons.
- As part of #StayingTogetherWhilePhysicallyApart series, check out these educational resources and websites that your kids may enjoy and will assist you while homeschooling.
Looking for more?
PayPal offers additional family support resources to help guide parents during this time.Learn more
Important changes to flexible spending accounts
2020 & 2021 COVID-19 relief measures for flexible spending accounts ends for the 2022 plan year
Last year, the U.S. Congress and IRS signed The Consolidated Appropriations Act, 2021 (CAA, 2021), bringing temporary financial flexibility regarding flexible spending accounts (FSAs). The temporary relief measures were effective for the 2020 and 2021 plan years due to the global pandemic and has ended for the 2022 plan year.
Health Care FSA
The temporary relief measures allowed for the carryover of the entire amount of unused funds in your Health Care FSA to use for eligible expenses in the next plan year. It was in effect for the 2020 and 2021 plan years only. This means that in 2020, your unused funds carried over for your use in 2021 and in 2021, your unused funds carried over to 2022.
The IRS has not extended these relief measures for the 2022 plan year. The maximum amount of your unused funds permitted to carryover at the end of the year is $570.
If you participated in the 2021 Health Care FSA and you did not enroll for the 2022 plan year, any unused funds in your 2021 account will roll over to a 2022 account. You may use your unused funds for eligible health care expenses in 2022.
Are you currently participating in a Health Savings Account (HSA)? You can use your Health Care FSA for eligible dental and vision expenses.
Extended grace period for the Dependent Care FSA
Due to the special provisions in effect during the 2020 & 2021 plan years, PayPal extended the current grace period for participants to incur eligible expenses from 2.5 months to 12 months. If you participated in the Dependent Care FSA plan in 2021, you now have until December 31, 2022 to continue to use any unused funds in your Dependent Care FSA from 2021. For 2022, the grace period will revert to 2.5 months. At the end of 2022, you will have until March 15, 2023, to continue to incur eligible expenses using your unused funds.
Deadline to file FSA claims
The 2021 FSA claim filing deadline for both Health Care and Dependent Care FSA plans is April 30, 2022. If you have eligible expenses from 2021, make sure you submit your claims by the deadline.
The 2022 FSA claim filing deadline will be April 30, 2023.
Reimbursements for over-the-counter medications
Don’t forget that you can use your Health Care FSA, Health Savings Account, and/or Health Reimbursement Account to pay for most over-the-counter (OTC) medications and feminine products, without a prescription. And now personal protective equipment (PPE), such as face masks, hand sanitizer, and sanitizing wipes, are eligible for reimbursement. Any eligible expenses can be submitted for reimbursement from the applicable plan administrator’s online claim process. You may also use your account’s debit card to cover these expenses.
Contact Your Benefits Resources™ (YBR)
For questions, please contact the Benefits Administrator, Your Benefits Resources™ (YBR) at 1-844-474-6641.
For inquiries about your FSA balance or claims, choose option 1 (Smart Choice Spending Accounts), verify your identity, then choose option 1 (Health Care Spending Account) or option 2 (Dependent Care Spending Account).
For inquiries about your FSA election or to make prospective changes to your elections, choose option 3 (Health & Insurance), and then Option 2 (Healthcare).
Navigate your finances during uncertain times
Understand stock market volatility and how it may affect your financial picture. Budget your money with confidence, and learn about tools available to you through Ayco360 and others.
PayPal is committed to the health and well-being of all employees. During this coronavirus pandemic, we will provide additional support and flexibility to manage your individual circumstances. The following measures apply to all employees:
- If you are diagnosed with the coronavirus, you will continue to be paid without interruption throughout the time you are ill.
- If your office is closed temporarily due to the impacts of the coronavirus, you will continue to be paid during the time your office is closed, even if you do not have the ability to work from home.
- To address specific challenges you may face as a result of the coronavirus, such as caring for children or other family members, the need to stay home due to an underlying illness or health vulnerability, or other personal or medical needs, you may request up to 2 additional weeks of paid time off through our Crisis Leave Program. Apply for Crisis Leave in Workday, or contact StayInformed@paypal.com, and your request will be handled confidentially by a dedicated member of our HR team. More information is on The Bridge (must be on the PayPal network).
- If you face family care challenges related to the coronavirus, please work with your manager and your team to develop a flexible working arrangement or part-time schedule to accommodate your needs during the coronavirus situation.
Vida health coaching
Connect with a Vida health coach anytime, anywhere to help you:
- Stay active. Even though your daily routine might be changing, your exercise habits and goals don’t have to. Vida’s coaches and in-app content provide at-home exercises and tips for eating healthy while working remotely.
- Address your mental health. With all that’s going on—news headlines, social distancing, financial worries, family concerns—you may need extra support. Vida’s resilience program can help you cope with stress, anxiety, and depression.
- Get support for working at home. For many, it's a new experience, and having a community is even more important during these difficult times. Vida’s Group feature lets you trade tips with others to work more efficiently, find resources for caring for kids at home, and share creative ways to address social isolation (e.g., virtual happy hours).
Download the app and search for organization name PayPal. Or send a message in chat to your current coach.
Employees can now use Concur Travel to book a hotel room as a safe place to self-isolate during COVID-19. You will be eligible to receive the discounted PayPal rate during your stay. This includes accommodations for dependents you live with. You must pay using a personal credit card, and while accommodations cannot be reimbursed by PayPal, they can be booked at the discounted rate until further notice.
Find discounts on food delivery, meal prep, tech equipment and more on Perks at Work, our employee discount portal. A special collection of discounts has been curated in the COVID-19 resource center.
Also check out Community Online Academy (COA) as part of Perks at Work. You’ll find free resources for adults and children, including live classes, videos, and a Kids Club.
Remote working tips
Although working from home can provide many benefits to employees, it also creates unintended challenges when the environment is less than optimal.
- View these wellness support options to ensure you’re making time to take care of yourself, and your loved ones.
- Access these tips for working from home to ensure you’re finding the right work/ life balance while working from home.
- Working from Home Basics and Stretching Guide
- Getting a Good Night’s Sleep
- Mindfulness – The Power of Presence
- Designing a Winning Indoor Workout
- There’s no “Write” way
- Finding Balance While Working From Home
Check out these suggestions for conducting virtual meetings to help you have the best experience.