Health Insurance Company Coronavirus Benefits
Health insurance policy holders all over are wondering what their health insurance company coronavirus benefits are during this time of need. This article addresses what steps and actions many of the large health insurers in the United States are taking to address the rapidly shifting landscape caused by the coronavirus. While this article is intended to be an informative overview of health insurance company coronavirus benefits, policyholders who have questions about their particular policy should reach out to their insurance company directly for the most accurate answers regarding their plan coverage.
This article addresses health insurance company coronavirus benefits from the following health insurance companies: Aetna, Anthem Blue Cross, Blue Shield of California, Cigna, Health Net, Kaiser Permanente and United Healthcare.
Aetna’s website claims it is offering members special benefits during the coronavirus crisis. Aetna states it is waiving cost-sharing for COVID-19 testing for its members. Aetna will also waive cost-sharing for inpatient treatment of COVID-19 or other health complications arising from the virus. Additional limited time benefits include telemedicine that is free, and free of charge coronavirus testing and visits to doctors. Aetna also provides free prescription deliveries from CVS through the month of May, and a free crisis support hotline. In addition, Aetna’s website offers resources for managing stress developed as a result of the pandemic, and several FAQs relating to COVID-19.
Anthem Blue Cross
Anthem Blue Cross offers a coronavirus focused website with access to how COVID-19 affects members’ particular health plans. In addition, Anthem Blue Cross provides content such as a COVID-19 testing location finder, how to find local emergency services, information on remote doctor calls and mental health resources. As far as coverage for coronavirus, Anthem states on its website that from April through the end of May, COVID-19 testing and treatment from in-network providers will be provided at no cost. A doctor must be contacted first in order to obtain a COVID-19 test. Telehealth visits to in-network providers will also be covered through June 14, 2020. For identifying symptoms, Anthem recommends a free app called Sydney Care which is a coronavirus assessment tool. For additional information on COVID-19, they recommend visiting the CDC’s official website for current information.
Blue Shield of California
Blue Shield of California answers questions about coverage and assistance related to COVID-19 for its plan holders on its website. On this website, Blue Shield of CA states it will waive coinsurance, deductibles, and out of pocket costs for COVID-19 screenings and testing. This coverage will only apply to testing, however, if it has been suggested by a doctor. In terms of coverage for actual treatment, it states that prior approvals are not needed, and that coinsurance, deductibles, and copays will be waived during the months of March through May for qualifying plan type members. Blue Shield also addresses the types of virtual care that may be available for various members, what to do in case a prescription needs to be refilled, and various mental health issues. Plan members can find additional information about the specific details and provisions of their plan from the Blue Shield website.
Cigna’s website provides a resource center that purports to help navigate the coronavirus. The site includes information about checking symptoms, how to get virtual care, and resources for physical and mental health and wellness. The site has emotional support resources in the form of articles, webinars, and podcasts. In terms of coverage for the coronavirus, Cigna claims that diagnostic visits, testing, and treatment will all have out of pocket costs waived through May 31, 2020. Cigna states the treatments it will cover for COVID-19 are those covered under Medicare or other state regulations. Plan members should check their plan details to ensure coverage.
Health Net’s website contains an FAQ for members regarding COVID-19. It states that members’ plans will cover COVID-19 screening and testing. However, copays, coinsurance, and deductible cost-sharing will be waived only when it is deemed medically necessary when referred or ordered by a licensed health care provider. Health Net’s website encourages its members to call them by phone if they have any questions about coronavirus or the coverage provisions under their particular plan. The website also offers some general tips about how to stay safe and upkeep mental wellbeing during the pandemic.
Kaiser is offering help for coping with COVID-19. On its website, Kaiser states that it is eliminating out of pocket costs for testing, diagnosis, and the treatment of COVID-19 through May 31, 2020 for its members. The website has an online assessment of COVID-19, which is undertaken by simply answering a few questions. It also includes an “emotional wellness center” that offers resources for meditation and self-care. In addition, there are articles addressing ways to adapt your lifestyle during the coronavirus pandemic. As do many of the other insurers, Kaiser recommends visiting the official website of the Centers for Disease Control and Prevention (CDC) for a wealth of additional and extensive up to date information on the coronavirus and its spread.
United Healthcare states on its website that it is waiving member cost sharing for treatment of coronavirus until May 31, 2020 for most of its plans. The website also offers links to resources for COVID-19, as well as telehealth options for connecting with a doctor without having to leave the house. In addition, United’s site includes a helpful section about how to communicate with children regarding the coronavirus pandemic. For young people, the daily news is likely frightening, so knowing how to talk to young people specifically about COVID-19 is a good skill to develop. Adults and children both must endeavor to maintain their mental health.
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