Insurance Questions and Answers on COVID-19

General

Is the OID open?

Yes, we are operating, most employees are working from home, however, the general public is not allowed in the building.

I'm experiencing difficulties with my insurance carrier. What should I do?

Please contact our Consumer Assistance Team at 800-522-0071.

Health Insurance

Will my health plan cover testing?

Most health plans are waiving some or all of the cost of medically necessary testing for coronavirus COVID-19 that’s consistent with the U.S. Centers for Disease Control and Prevention guidance. This might include the copayment, coinsurance and deductible. Contact your insurance company and health care provider to confirm.

I don't want to go into a doctor’s office. What other options will my health plan pay for?

You can get medical care without visiting a doctor’s office and exposing yourself to unnecessary interactions. Many plans pay for virtual visits and most have nurse lines. If your doctor or other health care provider thinks you need a test, then you’ll need to go into an office to be tested.

What if I am laid off, what about my health insurance?

Depends on your employer, if you have group insurance and over 20 employees, your employer should offer COBRA, if not you should receive an extra 63 days under your current carrier OS 4509.

Will my insurance company pay for a telehealth visit?

Most companies cover telehealth visits, however some plan are now waiving the copays.

Prescription

Can I refill my prescriptions early to keep extra on hand?

Keeping extra medicine on hand is recommended for people with chronic conditions. Some health plans are allowing people to get a 90-day supply of medication. Ask your doctor if it’s possible to bump up your prescription from a 30-day supply to a 90-day supply. Then, call your pharmacy to make sure it can fill it.

Can a pharmacist sign the RX patient pick up receipt instead of having the patient sign?

This would reduce transmission by not having patient’s use the same pens as staff and others, etc. Please see the OID’s new bulletin.

Travel Insurance

Will travel insurance cover me if my plans change because of COVID-19?

Most standard travel insurance does not cover losses caused by an epidemic or pandemic. If you purchased the CFAR policy, you may be covered for a portion of your trip cost. Contact your cruise line, airline or tour provider to see if any refund is offered by them first.

Business Interruption Insurance

If I have to close my business temporarily because of staff being sick, can I claim business interruption?

Insurance coverage can vary depending on the type of policy you have. Check with your insurance company or agent to see if your policy covers an epidemic or pandemic. Most business interruption policies cover business closures for events such as fire, a burst pipe, or a windstorm.

Do I have insurance coverage for my business closure if the government mandates it due to COVID-19?

Most business interruption insurance covers only loss of income that results from physical damage to property. Business interruption policies typically exclude coverage for a pandemic/epidemic. A state of emergency declaration does not change the terms of your business interruption policy and is unlikely to trigger business interruption coverage.

Some policies may cover loss of income due to a pandemic/epidemic, but only for a limited amount of time. Contact your insurance company or agent to see if your policy covers an epidemic or pandemic.​