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BlueCross to Cover Member Cost for COVID-19 Test and Waive Prior Authorizations When Prescribed by Health Providers

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BlueCross BlueShield of South Carolina and its subsidiary BlueChoice® HealthPlan will cover testing to diagnose COVID-19 for its members when medically necessary and prescribed by health providers. Any subsequent needed care will be done in close coordination with federal, state and public health authorities.

The health insurers will cover members’ copays, co-insurance and deductibles to diagnose COVID-19 when consistent with the Centers for Disease Control and Prevention (CDC) guidelines, and where it is not covered as part of the Public Health Service response.

In addition, the companies will waive prior authorizations for diagnostic tests and for covered services that are medically necessary and consistent with CDC guidance for members diagnosed with COVID-19.      Read More……..

How Anthem benefits will work?

BVA_Coronavirus_FAQ_031720_FINAL pdf

How Anthem benefits will work

COVID-19 testing is covered.
All Anthem members are covered. If COVID-19 testing is needed, the test and the visit where members get the test are covered with no out-of-pocket costs. If you’re diagnosed as having COVID-19, your Anthem health plan’s benefits apply to treatments.

Symptom checks and doctor visits from home are covered.
Members can download the free Sydney Care mobile app for a quick and easy way to evaluate symptoms. They can connect with a doctor through a LiveHealth Online video session or a Virtual Care text session right from their phone. The doctor they connect with can evaluate their symptoms, help them understand whether they’re at risk for COVID-19, and let them know whether they need to visit a local health care provider in person for COVID-19 testing. LiveHealth Online is available for members at no extra cost through June 14, 2020.

Sydney Care is available to download now on Android or iOS. This app should accompany the Sydney Health and Engage app. Coronavirus Assessment functionality is in development and expected to be available within the next week.

Members can also log in to their anthem.com account and connect to LiveHealth Online.

Most plans include telehealth as part of their benefits. If LiveHealth Online isn’t part of a member’s plan benefits, they can still use it for $59 per visit.

If doctors in a member’s plan don’t use LiveHealth Online, but have their own telemedicine technology to see patients, members can use that technology to see them at no cost until June 14, 2020.

Early prescription refills are covered.
Anthem is relaxing early prescription refill limits, where permitted, for members who have Anthem pharmacy benefits and wish to refill a 30-day supply of most maintenance medications early.

Additionally, members who have a pharmacy plan that includes a 90-day mail-order benefit should talk to their doctor about whether changing from a 30-day supply to a 90-day supply of their prescriptions is appropriate. Members filling 90-day prescriptions can get most of their medications through our home delivery pharmacy. Members can call the Pharmacy Member Services number on their health plan ID card to learn more.

If there’s an epidemic, how will you ensure that the doctors in the Anthem plan can still provide care?
Anthem is committed to making sure members can get the care they need. We’re working closely with the doctors and other health care professionals in our plans to prepare for more calls and visits. If doctors aren’t available for some reason, we’ll help them find alternate care. Members can go to anthem.com or call the Member Services number on their ID card.

Humana Takes Steps to Care for Members in Response to Coronavirus

Humana
Important Update for Humana Members Regarding Coronavirus - l mcfadden lbminsurance com - LBM Insuran[...](1)

Humana Inc. (NYSE: HUM) announced March 9, 2020 several actions in response to the increased spread of the coronavirus (COVID-19).

“As we navigate the spread of the coronavirus, our top priority is the health and well-being of our members,” said William Shrank, M.D., chief medical officer, Humana. “Effective immediately, we are waiving the out-of-pocket costs associated with COVID-19 testing and increasing the availability of telemedicine options to reduce additional exposure. We are also implementing some important actions such as early refills of prescription medicines and connecting people with a reassuring voice on the phone.”

Humana will waive out-of-pocket costs associated with testing for COVID-19 for patients who meet CDC guidelines at approved laboratory locations. This will apply to Humana’s Medicare Advantage, Medicaid and commercial employer-sponsored plans. Self-insured plan sponsors will be able to opt-out of the program at their discretion. The CDC continues to offer free testing for coronavirus.
The company is also announcing the following resources for its members:

  •  Telemedicine costs waived for all urgent care needs for next 90 days – To help reduce the risk of infection and spread of disease, Humana is encouraging members to use telemedicine (e.g., video chat) as a first line of defense for all urgent care needs. The company will waive costs for telemedicine visits for urgent care needs for the next 90 days. This will apply to Humana’s Medicare Advantage, Medicaid and commercial employer-sponsored plans and is limited to in-network providers delivering synchronous virtual care (live video-conferencing). Self-insured plan sponsors will be able to opt-out of the program at their discretion. Humana is working closely with federal agencies to understand the impacts of both telemedicine and the coronavirus test on High Deductible Health Plans and Health Savings Accounts.
  • Early prescription refills allowed for next 30 days – The company is allowing early refills on prescription medicines so members can prepare for extended supply needs—an extra 30- or 90-day supply as appropriate.
  • Member support line available – Humana has trained a specialized group of call center employees to help support members with specific coronavirus questions and concerns, including live assistance with telemedicine. Members can call Humana’s toll-free customer support line, which can be found on the back of their member I.D. card, to be connected to this dedicated team of professionals.

“Our goal through these actions is to give members additional peace of mind. We will continue to listen to their feedback and explore ways we can support their health through innovative solutions, technology and personalized support,” said Dr. Shrank. “We’re also committed to working with state and federal policymakers on creative options, such as in-home testing, that will best support members.”

CVS Health announces COVID-19 resources for Aetna members

CVS Health announces COVID-19 resources for Aetna members - l mcfadden lbminsurance com - LBM Insuran[...]

In response to the rapidly evolving COVID-19 outbreak, CVS Health announced a series of steps designed to support the health and well-being of Aetna members, ensure patient access to medication, and remove barriers to care.

Effective immediately:

  • Aetna will waive co-pays for all diagnostic testing related to COVID-19. This policy will cover the cost of physician-ordered testing for patients who meet CDC guidelines, which can be done in any approved laboratory location. Aetna will waive the member costs associated with diagnostic testing for all Commercial, Medicare and Medicaid lines of business. Self-insured plan sponsors will be able to opt-out of this program at their discretion.
  • For the next 90 days, Aetna will offer zero co-pay telemedicine visits for any reason. Aetna members should use telemedicine as their first line of defense in order to limit potential exposure in physician offices. Cost sharing will be waived for all virtual visits through Aetna-covered Teladoc® offerings and in-network providers delivering synchronous virtual care (live videoconferencing) for all Commercial plan designs. Self-insured plan sponsors will be able to opt-out of this program at their discretion.
  • CVS Pharmacy will waive charges for home delivery of prescription medications. With the Centers for Disease Control and Prevention encouraging people at higher risk for COVID-19 complications to stay at home as much as possible, this is a convenient option to avoid coming to the pharmacy for refills or new prescriptions.
  •  Aetna will now offer 90-day maintenance medication prescriptions for Commercial and Medicare members and is working with state governments to make the same option available to Medicaid members where allowable. Self-insured plan sponsors will be able to opt-out of this program at their discretion.
  • Aetna will waive early refill limits on 30-day prescription maintenance medications for all members with pharmacy benefits administered through CVS Caremark. Self-insured plan sponsors will be able to opt-out of this program at their discretion.
  • Through Aetna's Healing Better program, members who are diagnosed with COVID-19 will receive a care package containing CVS over-the-counter medications to help relieve symptoms. The package will also include personal and household cleaning supplies to help keep others in the home protected from potential exposure.
  • Through existing care management programs, Aetna will proactively reach out to members most at-risk for COVID-19. Care managers will walk members through what they can do to protect themselves, where to get information on the virus, and where to go to get tested.
  • Aetna is also offering its Medicare Advantage brief virtual check-in and remote evaluation benefits to all Aetna Commercial members and waiving the co-pay. These offerings will empower members with questions or concerns that are unrelated to a recent office visit and do not need immediate in-person follow-up to engage with providers without the concern of sitting in a physician’s office and risking potential exposure to COVID-19.

CVS Health is also implementing the following programs to educate members about COVID-19 and help address any associated anxiety and stress:

  • Opening Crisis Response Lines for all Aetna (Commercial, Medicare, Medicaid) and Caremark members who may be experiencing anxiety related to COVID-19.
  • Expanding 24x7 access to the Aetna Nurse Medical Line for all Aetna and Caremark members.

Containing the spread of this epidemic and equipping members with the information needed is a top priority we all share. Aetna has taken these actions in support of this objective, recognizing the need to act quickly.

Medi-Share Coronavirus (COVID-19) Update

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Testing and treatment for Coronavirus (COVID-19) are eligible for sharing, like costs for any testing or treatment of a confirmed illness, based on the Medi-Share Guidelines.

Provider fees still apply, as does the requirement that the member’s Annual Household Portion (AHP) is met before bills are eligible for sharing.

Members should be encouraged to utilize their access free telehealth as a first route of care, and if further treatment is recommended, utilize PHCS providers when appropriate.

Cigna covers cost of COVID-19 tests for customers

Screenshot_2020-03-17 Cigna covers cost of COVID-19 tests for customers - l mcfadden lbminsurance com - LBM Insurance Servi[...]
Screenshot_2020-03-17 Cigna covers cost of COVID-19 tests for customers - l mcfadden lbminsurance com - LBM Insurance Servi[...](1)

To support our commitment to give peace of mind to those we serve, Cigna is taking important measures to address risks associated with COVID-19.

Cigna customers will have access to COVID-19 testing, as prescribed by health practitioners, and the company will waive all copays or cost-shares to help fight the rapid spread of the virus in the U.S. and for our globally mobile customers. Cigna plans also cover treatment* associated with COVID-19 or similar diseases.

Read the news release here.

*At this time deductibles and cost-sharing associated with COVID-19 treatment are not being waived.