Yes, if you’re a commercial member and your provider offers this service. We’ll support telehealth visits with providers in our networks who offer this service for members who get their coverage through their employers or get it on their own for themselves and family. This includes visits with your primary care physician, specialists, behavioral health providers, ABA providers, and physical, speech and occupational therapists. This visit will cost you the same as a face-to-face visit with your provider, so any copay or cost-share you would normally have will still apply. If you have this kind of visit with a provider out of your network, they may bill you for the difference between their visit charge and our payment to them.

We recommend calling your regular provider to see if they offer this service. Many are offering telehealth to help keep their patients at home as much as possible.

Yes. We’ll cover and waive member costs for any US FDA-approved tests, as well as those currently pending FDA approval, if your doctor recommends it. We’re also waiving member copays and deductibles for the visit to your provider, urgent care center or emergency room related to a COVID-19 test, as long as the provider is in your network. We’ll still cover the COVID-19 testing and services if you see a provider out of your network, but they may bill you for the difference in their visit charge and our payment to them. Please note that, if you receive additional services or testing in addition to just COVID-19-related testing or treatment, your normal costs for that setting will apply.

Please call us at the Member Service number on the back of your Member ID card if you get a bill for COVID-19 testing that you weren’t expecting.

We’ll cover FDA-approved or emergency-authorized COVID-19 antibody tests that a network provider orders during an appointment, including during a telehealth appointment. If a network provider doesn’t order this test, you may have out-of-pocket costs.

We’ll cover FDA-approved or emergency-authorized at-home tests that diagnose a current infection if authorized by a network provider. If you pay for a test up front without having approval from a network provider, you may have out-of-pocket costs.

Yes. We’ll cover testing under your usual benefit and cost share for flu and strep tests your provider orders related to ruling out COVID-19.

Yes. We’ll cover vaccines authorized for emergency use by the US FDA to treat COVID-19. Currently our members have no costs for the vaccine.

Yes. If you’re diagnosed with COVID-19, we’ll cover any relevant in-network provider treatment. Through May 31, 2021, we’ll also waive your costs for COVID-19 treatment at in-network facilities and with in-network providers. This applies to our members in fully insured groups and individual plans. If your employer pays your claims, also called a self-funded group, they’ve been extended the option to waive cost-sharing for their members. If you use a provider who’s not in our network, we’ll cover treatment under your usual benefits. That means those providers may bill you for the balance owed. In a true emergency, please go to the nearest emergency room. The fee waiver doesn’t apply to air ambulance or non-emergency ambulance transportation. In these instances, your normal cost-share will apply. Beginning June 1, 2021, your usual benefits and cost-share will apply to services to treat COVID-19.

Yes. If your provider gives you treatments in the hospital or while at their office to help with the symptoms of COVID-19, we’ll cover those at no cost to you through May 31, 2021. Starting June 1, 2021, your normal cost-share will apply. Any prescriptions or over-the-counter drugs your doctor recommends for at-home symptom treatment will have your normal copay or cost-share.

COVID-19 tests don’t require prior authorization; but starting June 1, 2021, some treatments and hospital stays do. If you’re seeing an in-network provider, they usually ask for prior authorization on your behalf. But if you get care from an out-of-network provider, you’ll need to get the prior authorization yourself.

No. We understand many businesses and schools have revised their health and safety practices, and many require routine COVID-19 testing as part of their return-to-work or -school safety procedures. But employment or school-based COVID testing is not part of our health plan benefits, similar to pre-employment and periodic drug testing, and coverage for it isn’t included under the CARES Act. We’ll continue to cover the full cost of COVID-19 testing that’s recommended by your provider based on your symptoms, risk or exposure.

Yes. We encourage you to use your PhysicianNow Powered by MDLIVE^® telehealth benefit to stay home as much as possible. Your normal costs for a PhysicianNow appointment will apply.

Yes. If your pharmacy benefits are covered through BlueCross, we’re allowing early refills on most medications, and we’re encouraging 90-day fills for medications to treat chronic conditions. Your plan may also have mail-order benefits if you don’t want to go out to a pharmacy to get your medications. Some medications such as controlled substances and certain specialty drugs aren’t included in this early refill process.

In many cases, yes. If you get your insurance through your employer, new rules give you more time to file claims and appeals during the COVID-19 national emergency.

You usually have one year plus three months to file a claim from the date of service, and 180 days to file an appeal from the date of a benefit decision, like a claim denial. The new rule lets you “pause” the deadline during the outbreak period and start counting again when it’s over.

The outbreak period started on March 1, 2020, and will end 60 days after the end of the COVID-19 national emergency, or one year from the date of the triggering event, whichever is earlier.

If your insurance is from a state or local governmental plan, you may not be eligible for extra time. To check, please call us at the number on the back of your Member ID card.

Yes, this is likely a scam. Right now, the COVID-19 vaccine supply is being distributed by the government to health departments, hospitals and certain pharmacies. Supply is still limited, and appointments must be made directly with approved vaccination sites.

Yes. We will never call you to ask for your subscriber ID. Additionally, most financial companies will not ask you for your account numbers. The only way to potentially prevent coronavirus and COVID-19 is social distancing. There’s no medicine to prevent or cure it.

Yes. This is a scammer trying to take advantage of people. Testing is done at approved sites with doctor’s orders, and there’s no medicine to prevent or cure the virus and illness currently.

Yes. This is a scam where someone is trying to take advantage of people. These emails could have links that download malware to infect your computer when clicked on. Please do not click on any links, respond to or forward these emails.

Yes. There are currently no treatments to prevent or cure coronavirus or COVID-19. Any wellness products you see advertised for these purposes are fraudulent.

Pregnant women are considered to have an increased risk for COVID-19 complications. Women with higher-risk pregnancies may be more at risk. Continue your prenatal appointments so your provider can manage any symptoms you may have.

However, looking at past viruses, like the flu and SARS, the Centers for Disease Control and Prevention warns that pregnant women who contract COVID-19 could be more likely to have severe respiratory problems, like pneumonia. This is because pregnant women already have increased heart rates and diminished lung capacity.

According to the Centers for Disease Control and Prevention, you may have a higher risk of miscarriage or premature delivery if you contract COVID-19.

It’s not clear yet whether cases of newborns with COVID-19 are born infected, or are becoming infected after birth. It’s likely that if you’re infected with COVID-19, your baby will be placed in isolation after birth to prevent the disease from passing from you to them.

According to the CDC, breastmilk is unlikely to pass COVID-19 to a newborn. Talk with your provider about how to start or continue breastfeeding.

Some BlueCross members may have benefits for a home birth with a certified nurse midwife. Home births are recommended only for low-risk pregnancies, and you must have a detailed birthing plan that includes a hospital and doctor, in case of complications. If you’re unsure if your plan covers home births, call us at the Member Services number on the back of your Member ID card.

It’s important to note that licensed and accredited hospitals and birth centers are still safe places to deliver your baby. If you’ve already chosen your delivery provider, talk with them about your concerns to ensure you’re making the right birth choice for you and your family.

No. Even under normal circumstances, NICU babies are at higher risk of getting sick because of their compromised immune systems. The NICU generally recommends that you not take babies in public for at least three months. This includes church and grocery stores. With COVID-19 health risk, taking your baby out in public is even more risky. The best advice is to keep your baby at home and protect them from exposure to all possible viruses, including COVID-19.

In a newborn, a fever of 100.4° F is considered high enough to seek medical treatment in the first two months of your child’s life. As always, double-check the environment to make sure your baby’s temperature is accurate. Wearing extra warm clothes or being bundled in blankets, as well as being in a very warm room or in a hot car, could make their temperature reading higher.

If you’re worried about your baby’s temperature, your safest bet is always to call your pediatrician for advice on next steps.

In many cases, yes. If you get your insurance through your employer, new rules give you more time to elect COBRA and pay COBRA premiums during the COVID-19 national emergency.

You usually have 60 days to elect COBRA from the day you lose your insurance. Once you elect COBRA, you normally have 45 days to pay the initial premium and 30 days after that to pay monthly premium. The new rule lets you “pause” these deadlines during the outbreak period and start counting again when it’s over. But it’s important to know that, if you get behind on premium payments at any point and lose your COBRA coverage, we won’t be able to pay any claims unless you pay premiums on time and your COBRA coverage is reinstated. We also won’t pay any claims until you have elected and paid for COBRA coverage.

The outbreak period started on March 1, 2020, and will end 60 days after the end of the COVID-19 national emergency, or one year from the triggering event date, whichever is earlier.

If your insurance is from a state or local governmental plan, you may not be eligible for extra time. If you have questions about this and we administer your COBRA benefits, please call us at 1-800-364-6121 to check. You can also ask your employer.

In many cases, yes. If you’re eligible for insurance through your employer, new rules give you more time to enroll if you have certain life-events during the COVID-19 national emergency.

You usually have 30 days to request a special enrollment if you lose other coverage, get married, have a baby or adopt a child, including a child being placed for adoption. You usually have 60 days to request a special enrollment if you or an eligible dependent lose your Medicaid or CHIP coverage. The new rule lets you “pause” the deadline during the outbreak period and start counting again when it’s over.

The outbreak period started on March 1, 2020, and will end 60 days after the end of the COVID-19 national emergency, or one year from the triggering event date, whichever is earlier.

Please contact your employer if you have questions. Your employer will be able to tell you more about the extra time you may have to enroll, what your effective date of coverage will be and any premiums you may be responsible for. If your employer’s plan is a state or local governmental plan, you may not be eligible for extra time.

Yes. You can use your HSA for telehealth services. Many employers are covering telehealth with no member costs, and some could extend that through Dec. 31, 2021. Your plan will stay HSA-qualified even in those instances.

Yes. You can now use your HSA or FSA for over-the-counter drugs like allergy medicine, pain and fever reducers and antibiotic creams. If you have an HRA from someone other than BlueCross, check with them to see if this applies to your HRA. HRAs through BlueCross cannot be used for these purchases.

Yes. These types of products are eligible for these types of accounts. If you have an HRA from someone other than BlueCross, check with them to see if this applies to your HRA. HRAs through BlueCross cannot be used for these purchases.

If your employer allows qualifying event election changes, you can update your status if there is a change in the child-care provider. For example, if the provider is no longer providing the care, like when a summer day camp cancels or care is no longer needed, you can reduce or stop the election. Temporary regulations designed to provide COVID relief also allow employers the option to allow mid-year changes for any reason in 2021. Please check with your employer about specific rules about election changes for your plan.

Unfortunately, what you’ve contributed through payroll deductions can’t be refunded. However, you can use them for future dependent care expenses. You can stop making contributions because the care is no longer needed. Please check with your employer about specific election change rules or benefit extensions for your plan.

The CDC has a coronavirus self-checker on its website that helps you quickly understand which symptoms to watch out for and how to get help. The virus has a wide range of symptoms that include fever, cough, shortness of breath or trouble breathing, chills, repeated shaking with chills, fatigue, muscle pain, headache, sore throat, diarrhea, congestion or runny nose, and new loss of taste or smell.

The first step is to stay home and separate yourself from other people or animals as much as possible. That’ll help keep germs from spreading until you can get tested and advice from a doctor.

Next, check with your county health department to schedule at a free testing site or call your primary care provider. If your doctor thinks you need to be tested, they can give you instructions for where to go for testing if their office doesn’t offer it. Many pharmacies and urgent care centers offer testing.

Other than for testing, please stay at home, wear a mask and isolate yourself from others in your home, if possible.

Since you’re not having symptoms but you think you’ve been exposed, please isolate at home and call your doctor to see if they recommend testing. If they think you need to be tested, they can give you instructions where to go and what to do. Because symptoms can take so long to appear, you should quarantine at home for 14 days starting the day you learned of your exposure.

The first step is to stay home and separate yourself from other people or animals as much as possible. That’ll help keep germs from spreading until you can get advice from a doctor.

Next, check with your county health department to schedule at a free testing site or call your primary care provider. If your doctor thinks you need to be tested, they can give you instructions on where to go for testing if their office doesn’t offer it. Many pharmacies and urgent care centers offer testing.

Other than for testing, please stay at home, wear a mask and isolate yourself from others in your home, if possible.

Testing varies in every community. You can check with your local health department for free testing sites, and many pharmacies, urgent care centers and primary care providers offer it. Certain types of testing require a physician referral. The U.S. Department of Health & Human Services has compiled a list of some community testing sites, which you can find here.

The CDC recommends testing for people who’ve had close contact with someone who has COVID-19. If you’re fully vaccinated, the CDC says you don’t need to be tested in this instance. The CDC says you should stay away from others pending your test results.

The latest guidance from the CDC says if you’ve had a mild case, you may leave self-isolation if it’s been 10 days since your symptoms started, you’ve been without a fever for 24 hours and haven’t used a fever reducer, and your other symptoms are improving. If you’ve had a moderate or severe case of COVID-19 or are immune-compromised, you’ll need to isolate for 20 days. In these cases, you’ll need to talk with your doctor about when it’s OK for you to leave isolation.

The CDC has also released new guidance for household family members of someone who tests positive.

If you live with others, they’ll also need to quarantine during the time you’re in isolation. They should also quarantine for an additional 14 days starting the last day they had contact with you or the day you’re no longer in isolation. However, the CDC says that period could shorten if the person has no symptoms after 10 days. Additionally, if they’re tested five days after their last exposure and test negative, then their quarantine could end after seven days.

Yes. Providers are following some safety social distancing guidelines, so be sure to call their office before your appointment to know what extra safety steps they’ll want you to follow when you get there. You also should take some personal safety measures, including wearing a mask if you’re not fully vaccinated and making sure you don’t have a fever or any signs of COVID-19 before going in person. If you have any symptoms or have been exposed to someone with COVID-19, you’ll need to reschedule your appointment.

If you have health issues that put you at higher risk of COVID-19 complications or simply don’t feel comfortable going out in person, many providers are still offering telehealth appointments.

Getting a vaccine is your best protection against COVID-19. Until you’re fully vaccinated, social distancing and wearing a mask are the best ways to protect yourself.

Wash your hands with soap and water frequently, especially if you’re out of your home. Hand sanitizer can help when soap and water are unavailable.

Clean all frequently touched surfaces in your home, car and workspace, if you’re still going into work.

Cover your coughs and sneezes, and immediately throw away the used tissues.

If someone in your house is sick or has symptoms, have them self-isolate away from others in the house. Call their provider for instructions on what to do next.