As you may have heard, many insurance agencies are turning to telehealth in order to make sure you are receiving the care you need while avoiding visits to hospitals and doctor’s offices when needed.
Below are descriptions of how different insurance companies are handling virtual visits that use telehealth services. We advise you to take the time to register now so in the event you need to use the service you will not be delayed by the need to first complete the registration.
Aetna AFA Clients –
SG_AFA_FAQ_032420
$0 CVS Minute Clinic/HealthHUB for Aetna AFA and Fully Insured members! In addition, $0 copay for Teladoc for the next 90days for “ANY” reason. And don’t forget about EAP is available for our AFA members; and everyone in the household can call.
Aetna SG
The link will give you additional details for the attached document. CVS Health announces copay and cost sharing waivers for COVID-19 related treatments for all Aetna members.
Aetna created a COVID-19 digital tool kit that is are available to plan sponsors. There is content available in the form of recorded webinars, articles, videos, and infographics. Topics include information about the virus, tips for adjusting to working at home, talking to your children about COVID-19, helping your kids stay busy, loneliness, and many more. This toolkit can be shared externally, you do not need login credentials to access the toolkit.
Large Group 101+
AetnaCommercialEmployers100+InsuredCOVID19
AVMED
AvMed Coronavirus QA_Benefits Coverage_V7
CIGNA
Waives customer cost-sharing for office visits related to COVID-19 testing through May 31, 2020
Cigna COVID-19 Coronavirus Customer FAQ
FL Blue Fully Insured Clients
Click below to access Teladoc Flyer
Click here to access a news release announcing FL Blues plan to implement an extended grace period, through May 31st, for customers and members unable to pay premiums as a result of the COVID-19 health crisis.
Humana Clients
Click below to access DR on Demand Flyer
CLICK HERE to access Spanish Materials about telemedicine
Below is an overview of the FAQ
- Can coverage be continued if a partial number of employees are laid off? Yes, Humana is relaxing the requirement that employees need to be actively at work to be eligible for coverage. This is effective until May 1, 2020 as long as monthly premium is remitted and coverage is offered on a uniform basis.
- Does this same apply to small group level funded plans? Yes, providing premium is remitted and coverage is offered uniformly.
- Can Humana continue coverage if ALL employees are laid off? Yes, if one person remains employed and covered by the plan, you can continue to offer coverage to employees that have been laid off until May 1, 2020 providing premium is remitted and coverage is offered uniformly.
- Will COBRA and/or state continuation still be offered? Yes, if a group is subject to COBRA, employees can elect to continue coverage under COBRA by following standard notice and election periods. Small group level funded plans generally do not apply. If the group plan is terminated entirely, COBRA and/or state continuation for fully insured plans will not apply.
- Will employees who are laid off temporarily be allowed to rejoin the plan without a waiting period when they return to work? Yes, Humana will waive the waiting period for employees who are laid off. New hires will be subject to standard waiting periods.
- Will group rates/premium be subject to change if enrollment drops by more than 10%? No, if the loss of enrollment is a result of the COVID-19 situation, rates and premiums will remain the same until the groups’ next renewal date.
- Will Humana offer a premium grace period? Yes, we will continue to offer a 30 day grace period for premium payments or applicable state law.
UHC
Please review the UHC Covid-19 Resource (https://www.uhc.com/health-and-wellness/health-topics/covid-19). This is where you will find the most up-to-date announcements regarding the virus and how UHC is handling the situation.
All Special Enrollment Period entrants can be submitted through Employer eServices – See attached document for eligibility
The enrollment opportunity will extend from March 23, 2020, to April 6, 2020.
Customers are not required to adopt the Special COVID-19 Enrollment Opportunity. Because of this, no opt out action is required on their behalf. UnitedHealthcare realizes each situation is unique, and each customer must make its own decisions on the enrollment opportunity.
Dependents, such as spouses and children, can be added if they are enrolled in the same coverage or benefit option as the employee.
Standard waiting periods will be waived; however, existing eligibility and state guidelines will apply.
Employer eServices will allow enrollments as qualifying events and will suppress the waiting-period warning messages so that CDB and PRIME customers can enroll in benefits without getting a warning.
For small employers (2-50), a wage and tax statement will be needed to validate the employee’s eligibility.
Enrollment changes will take place effective April 1, 2020. Prior effective dates are not permitted.
Email template available for members
Email templates available for download that your clients can share with their employees to get the latest COVID-19 updates. Available in the Communication Resource Center, the ASO version is an editable, member-facing email template that allows you to tailor language to reflect your clients’ COVID-19 coverage and benefits for their employees. A fully insured version is also available in the Employee Engagement Planner.
Term Hold Requests
All term hold requests are currently being reviewed for a decision on a case by case basis. Please reach out to me if you need any assistance with this request as additional information will need to be sent.
UHC Fully Insured Clients – Click below to access Teladoc Flyer
UHC All Savers Clients – $0 copay for virtual visits, non-enrolled spouse and dependents can receive all of the benefits of HealthiestYou by having the enrolled employee add them as covered individuals in the HealthiestYou app
Meet Gus
I'm Gus Bohler, Broker/Owner.
I've lived in the Tampa Bay area for 30 years and have spent 22 years as an insurance broker.Read more. Providers
