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    FAQ With Kelly-COVID-19 Insurance Updates

    Posted: April 27, 2020
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    What you NEED to know about your Insurance and COVID 19


    There have been many questions that have come up concerning the effects of your insurance during this COVID-19 crisis.    I understand these are stressful and unsettling times for everyone and I am here to help and answer the questions you have about the changes and updates for health and auto insurance.   


    Health, Medicare, Short-Term Medical, including Marketplace plans

    • Ambetter: Ambetter will cover COVID-19-related testing and treatments at no cost to you. You do not need prior authorization.
    • BCBS: (Includes Individual health plans, Group/Employer health plans, and Medicare)

    Testing: You won’t pay copays, deductibles or coinsurance for medically necessary lab tests to diagnose COVID-19. You do not need prior authorization to test for COVID-19.

    Testing-Related Visits: You won’t pay copays, deductibles or coinsurance with in-network providers for visits related to COVID-19, whether at a provider’s office, urgent care clinic, emergency room or by telehealth. (Testing must be medically necessary, consistent with CDC guidance and at the direction of a doctor.) 

    Treatment: You will not pay copays, deductibles or coinsurance related to treatment for COVID-19. This applies to costs associated with COVID-19 treatment at in-network facilities and treatment for out-of-network emergencies.

    Currently, this covers treatment from April 1 to May 31, 2020.

    Virtual Visits

    You may also access your Virtual Visits benefit2 provided by BCBSIL and powered by MDLIVE3. You can consult a board-certified doctor for non-emergency situations by phone, mobile app or online video 24 hours a day, 7 days a week. Virtual Visits doctors can even send e-prescriptions to your local pharmacy. (MDLIVE is not available for Medicare.)

    • Cigna:  Cigna is waiving out of pocket costs for COVID-19 testing-related visits with in-network providers, whether at a provider’s office, urgent care center, emergency room or via virtual care, through May 31, 2020.
    • National General: National General will waive 100% of customers’ out-of-pocket costs for COVID-19 diagnostic tests and will ease access for customers seeking diagnostic testing. This waiver will extend to all National General Short-Term Medical customers.
    • United Healthcare: (Includes Medicare Advantage, Individual and Group health plans) United Healthcare is also waiving cost-sharing for COVID-19 testing and the testing-related visits. Cost-sharing is also waived for COVID-19 treatment until May 31, 2020.
      * Starting March 31, 2020 until June 18, 2020, UnitedHealthcare will also waive cost-sharing for in-network, non-COVID-19 telehealth visits for its Medicare Advantage, Individual and Group/Employer plans.
    • Marketplace:  As a reminder, if you’ve had a loss of income, you may qualify for the additional annual premium tax credit.

    Auto Insurance Updates

    Because COVID-19 stay-at-home orders, there have been fewer drivers on the road, which means few accidents.  Auto Insurance companies are recognizing this and rewarding customers with discounts and refunds.Here is a full list of the discounts by provider.

    • Travelers: Launched the Stay-at-Home Auto Premium Credit Program, which will automatically give U.S. personal auto insurance customers a 15% credit on their April and May premiums
    • Kemper: Providing a 15% deduction for April and May as long as the policy was in effect April 30.
    • Hartford: Giving 15% for April and May
    • Mercury: Giving up to 15% discount by May
    • Safeco: Providing a 15% refund on two months of auto premium, based on your premium amount as of April 7.
      • They are planning to issue the refund in the manner you made your most recent payment or by check.
      • They will begin issuing refunds in the coming weeks after they have approval from state insurance regulators.
      • Your refund will happen automatically, and you do not need to call to get your refund.
    • AAA – The Auto Club Group: Providing $60 million in premium refunds to its auto insurance customers. Every policyholder with auto insurance in effect as of April 30 will receive a 20% policy refund applied to two months of premium, for April and May.

    We all have been affected by this COVID-19 crisis and I want you to know that I am here to assist you in any way I can. You can contact me at 708-444-0050 or  kelly@kellyburkeinsurance.com if you have questions.  I am also offering remote meetings by Phone, ZOOM or GoTo Meeting to help answer any concerns you may have. 

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    Email: kelly@kellyburkeinsurance.com

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