INFORMATION YOU NEED TO KNOW

COVID-19


What is COVID-19 (Coronavirus)?

COVID-19 is a viral respiratory illness caused by a newly identified coronavirus and was discovered in late 2019 in China. Coronaviruses are a large family of viruses. Some cause illnesses in people and others only circulate among animals. Rarely, animal coronaviruses can evolve and infect people. The virus causing COVID-19 may have emerged from an animal source, and it is now able to spread from person to person.

Coverage

PreferredOne is keeping close watch on COVID-19 developments to make sure our members are best prepared and supported during the coming days and weeks. PreferredOne continues to review our policies and modify our response as the COVID-19 scenario evolves.

  • To make sure access to care is easily available and in keeping with regulations, PreferredOne will waive cost-sharing for in-network COVID-19 hospitalization for fully-insured, Simplicity employer and individual plan members effective March 1st through December 31, 2020.
  • PreferredOne continues to waive cost sharing for CDC-recommended COVID-19 laboratory testing ordered by a provider and related telehealth, office, urgent care, and emergency department visits for all members.
  • For fully insured and Simplicity, PreferredOne will continue to provide coverage for members as long as premiums are paid on behalf of members. This means that employees who have their hours fall below the minimum or employees who are on “furlough” due to the COVID-19 crisis may still have health insurance through their employers.
    • For self-funded, the position is the same when PreferredOne Insurance Company (PIC) is the stop loss carrier. If the employer has outside stop loss then PreferredOne will be happy to administer the plan as above but the Stop Loss carrier would need to agree to cover claims under stop loss.
  • At this time, PreferredOne will maintain our usual guidelines with regards to timely payment of premiums and / or grace periods.
    • For fully insured, PreferredOne will honor the normal grace periods. There is some talk at the state level of increasing the grace period to 90 days for fully insured. If that goes through then we will comply. Beyond the leeway with hours worked / furloughed status already communicated and honoring grace periods, PreferredOne isn’t in the position to provide relief on premium payments.
  • We are not enabling mid-year plan design changes at the employee or employer level.
  • New Hire Guidelines remain intact.
  • We will follow standard guidelines outlined in the rehire provisions of the plan document, which usually allows the waiting period to be waived for employees who return to employment within 6 months. If your plan document doesn’t have this language, we are allowing midyear changes to the rehire provisions in 2020.

How does it spread?

The virus is spread mainly between people who are in close contact (within about 6 feet) through respiratory droplets produced when an infected person coughs, sneezes, or talks. It may also spread by touching a surface or object that has the virus on it and then touching your mouth, nose, or eyes; but this is not thought to be the main way the virus spreads.

Prevention

No vaccine is currently available for the coronavirus causing COVID-19. The best way to prevent the illness is to avoid exposure through simple precautions. Prevention steps include:

  • Wash your hands often with soap and warm water for at least 20 seconds, especially after going to the bathroom; before eating; and after blowing your nose, coughing, or sneezing.
  • Use an alcohol-based hand sanitizer with at least 60 percent alcohol if soap and water are not readily available.
  • Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.
  • Avoid close contact with people who are sick.
  • Stay home if you’re feeling sick.

Symptoms

This coronavirus causes mild to severe respiratory illness with fever, cough, and difficulty breathing. Additional symptoms include sore throat, body aches and chills. Evidence suggests that the incubation period (time from exposure to symptoms) is between 2-14 days. People may be infectious even before symptoms develop.

If you have symptoms of COVID-19 or have been in close contact with someone who has tested positive for COVID-19, please contact your healthcare provider for further guidance or use the virtual care link below.

Diagnosis

If you think you may have been exposed to COVID-19 you should call your healthcare provider immediately and relay your symptoms or use the virtual care link below. Your provider will determine if you need to be tested for COVID-19.

COVID-19 Testing

If you or your employees are concerned about possible exposure to COVID-19, we strongly encourage you to use telemedicine as your first resource. PreferredOne recommends using OnCare.org to be evaluated by a medical provider and recommended for testing if appropriate. Please make every effort to not send employees to the emergency room for COVID-19 testing as doing so could increase the chance of exposure and/or risk spreading the virus and puts added pressure on critical emergency room resources that are under severe strain. Also, please refrain from requiring employees to seek “return to work” authorizations from their physicians or hospital emergency rooms as this also places an extra burden on critical emergency services.

Virtual Care Options

View online clinic providers specific to your network and access coverage details.

Mental Health Support

All of us are impacted by COVID-19. Social distancing separates us from loved ones. Some of us face unemployment and other financial hardships. The virus itself may generate fear. Don’t go it alone.

If you’re feeling overwhelmed or simply need some advice, there are many resources to help you during this highly stressful time.

  • Call your network behavioral health providers, as many now offer telephone counseling sessions
  • Access virtual resources such as MDLive for medical and counseling support anytime, day or night
  • Talk with employee assistance program (EAP) counselors for legal, financial and relationship advice or counseling for depression, substance abuse or other concerns
  • Free crisis resources are also available at namimn.org/support/resources/crisis-resources

All PreferredOne plans cover virtual video and telephonic mental health visits. Check your health plan benefits information for coverage details or call PreferredOne Customer Service at 763.847.4477 or 1.800.997.1750 TTY 763.847.4013.

Additional Resources

PreferredOne extends COVID-19 coverage
PreferredOne expands COVID-19 coverage
Centers for Disease Control
Minnesota Department of Health
World Health Organization
Food and Other Resources
PreferredOne COVID-19 Testing and Provider Visit Coverage Policy
PreferredOne COVID-19 Telehealth Policy
PreferredOne COVID-19 Employer FAQ Document
PreferredOne COVID-19 Provider FAQ Document