Wear a mask. COVID-19 cases are on the rise, locally and nationally. Public officials and health experts are urging us to use face coverings whenever we go out. The virus mainly spreads from droplets released into the air when we cough, sneeze, or talk. Whether you show signs of illness or not, masks prevent these droplets from reaching others and reduce their risk of getting sick.
Practice social distancing. Limit close contact with anyone outside of your household. Even if you’re wearing a mask, it’s still recommended you stay at least six feet from others when in public, or at least two arms’ length apart.
Wash your hands regularly. The virus can also spread from touching recently contaminated surfaces and then touching your face. Washing your hands with soap and water is one of the most importance defenses against the spread of COVID-19 and other illnesses. Keep hand sanitizer on you for when you don’t have access to soap and water.
Check your symptoms. If you think you’ve been exposed to COVID-19 and develop a fever, cough, or have trouble breathing, call your doctor. Visit the Centers for Disease Control and Prevention (CDC) for more details on symptoms.
Testing is covered. Independence Blue Cross (Independence) will cover the cost for testing, including antibody testing through December 31, 2020². First, contact your doctor or state health department. They will screen you based on CDC guidelines. Then they may issue a lab order for the test, or they may treat you with a request to self-isolate and use over-the-counter medications. Learn more about the differences between diagnostic and antibody tests in this infographic.
Talk to a doctor from anywhere¹. Telemedicine services from your primary care doctor are covered at no cost through Dec. 31, 2020². You can also schedule a same-day appointment with a doctor 24/7 with MDLIVE¹ at no cost through Dec. 31, 2020². MDLIVE doctors can assess your symptoms and help with next steps. Register or login at mdlive.com/ibxtpa.
Specialists are available. The CDC recommends that the best way to prevent illness is to avoid being exposed to the virus that causes COVID-19. Ask your specialist if your visit can be done over the phone or video. If so, office visit cost-sharing will apply, based on your health plan. This also includes urgent care, nutritionists, and therapists (occupational, physical, speech). Physical and occupational therapy must be conducted via video.
Treatment is covered¹. Independence Administrators will waive plan members’ cost for in-network, acute in-patient treatment of COVID-19 through Dec. 31, 2020². Cost sharing will be applied to post-acute care (e.g. skilled nursing, rehabilitation and long term acute care facilities), outpatient treatment, prescription drugs, ambulance transportation to a post-acute setting, and out of network care.
Pre-authorizations temporarily waived. Pre-authorization is currently not required for acute, in-network, in-patient admissions from the emergency department for a COVID-19 diagnosis. Pre-authorization is also being waived for transfers from an in-patient facility to long-term ambulatory care, rehabilitation, or skilled nursing facilities, and transportation between facilities. These temporary changes to our pre-authorization policy are in effect until July 31, 2020. Facilities are still required to notify Independence Administrators.
Coverage for pulse oximeters. Pulse oximeters are small, portable devices that monitor oxygen levels in the blood and pulse rate. To help monitor members who have a COVID 19 diagnosis or are recovering from COVID 19, Independence Administrators will cover consumer grade pulse oximeters that are prescribed by an in-network doctor and purchased through an in-network supplier. Member cost sharing will be waived through July 31, 2020.
Navigate COVID-19 with Quil. To help you navigate some of the challenges you may be facing during the COVID-19 outbreak, Quil Health — the digital health joint venture between Independence Health Group and Comcast — has developed a comprehensive COVID-19 Preparedness Tool that members can access for free. Get access now.
Keep your health on track. As doctors’ offices re-open, talk with your doctor if you delayed an elective procedure and need to reschedule. Be sure to make an appointment with your doctor if it’s time for your annual check-up or preventive health screenings too.
Check your medications. Check to make sure you have enough medications. Call your doctor if you need refills.
Virtual visits for mental health¹. If you have mental health benefits through Independence Administrators, you can talk to an in-network mental health counselor online or on the phone. The cost will be the same as a mental health specialist visit. Call the number on the back of your ID card or visit myibxtpabenefits.com to find a provider.
Login at myibxtpabenefits.com to find a doctor.
1 Please note: For employers who are self-insured, coverages may vary. If you have coverage through your employer, please check with them about how these programs apply.
2 Please note: The Families First Coronavirus Response Act (FFCRA) and Coronavirus Aid, Relief, and Economic Security (CARES) Act mandate that member cost sharing (deductible, co-pays and coinsurance) is waived both in and out-of-network for the testing and diagnosis of COVID-19 through the public health emergency. If the public health emergency ends prior to December 31, 2020, the waiver of cost sharing for out-of-network testing and diagnosis will end as of the date the public emergency ends. If the public emergency does not end as of December 31, 2020, the waiver of member cost sharing for both in and out of network will continue through the public emergency. For High Deductible Health Plans, in-network cost sharing waivers detailed above will remain in effect through December 31, 2020 unless prohibited by law.
MDLive is an independent company.