Yes, if your provider offers this service. We’ll cover telehealth visits with your primary care provider, specialists, behavioral health providers, ABA providers, and physical, speech and occupational therapists in our networks who offer this service until the expiration of the national emergency. 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. However, through March 31, 2021, you won’t have any out-of-pockets costs for telehealth visits with network primary care or behavioral health providers.

No. These are important health appointments that you should still schedule. Your provider’s office may have different safety steps for you to take.

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 that provider 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 copayment for that setting will apply.

We’ll cover FDA-approved COVID-19 antibody tests that a network provider orders during an appointment, including during a telehealth appointment. Many of the antibody tests marketed have proved ineffective at this point, so we’ll cover just those the FDA has approved or given emergency use authorization for. If a network provider doesn’t order this test, you may have out-of-pocket costs.

We’ll cover at-home tests that diagnose a current infection if authorized by a network provider. Many at-home tests marketed have proved ineffective, so we’ll cover just those the FDA has approved or given emergency use authorization for. 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 for flu and strep under your usual benefit and cost-share. Many providers are performing these tests prior to COVID-19 testing.

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 provider treatment. We’ll also waive your costs for COVID-19 treatment at in-network facilities and with in-network providers until May 31, 2021. That means you won’t pay anything for treatment from providers in our network. In a true emergency, please go to the nearest emergency room. Starting June 1, 2021, your normal member cost-shares will apply for treatment of COVID-19-related symptoms. The fee waiver doesn’t apply to air ambulance or non-emergency ambulance transportation. In these instances, your normal cost-share will apply.

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. 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 don’t cover these supplies under your health plan.

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.

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. 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.

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, see if your city or county has a free testing site set up. If so, schedule with them to get a test. You can also call your provider’s office and tell them your symptoms. If they think you need to be tested, they can give you instructions for where to go and what to do if you’re unable to get tested through your health department.

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, see if your city or county has a free testing site set up. If so, schedule with them to get a test. You can also call your provider’s office and tell them your symptoms. If they think you need to be tested, they can give you instructions on where to go and what to do if you’re unable to get tested through your health department.

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

Right now testing varies in every community. Some testing requires a physician referral. And some walk-up and drive-through testing sites don’t need a referral. It’s best call your local health department to find out how to best access testing. The U.S. Department of Health and Human Services has compiled a list of some community testing sites, which you can find here.

Your provider is your best source for advice on whether you should be tested. The Tennessee Department of Health, the Centers for Disease Control and Prevention, and the World Health Organization have recommendations on their websites; but they may change as more news becomes available.

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. Many providers are slowly reopening their practices to see our members in person. They’ll be 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 cloth mask covering your nose and mouth while in public 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.

Social distancing is the best way to protect yourself. That means staying home other than for necessary groceries or medicine. An FDA-approved COVID-19 vaccine can also protect you against infection or severe illness.

Wear a face covering when going out in public. The CDC recommends everyone, except children under age 2 or people who have trouble breathing or are incapacitated and unable to remove a mask, wear a cloth face covering to help slow the spread of the virus. Your mask should cover your nose and mouth, be secured under your chin, and rest snugly against the sides of your face. Make sure you can breathe easily through it, and always wash your hands before putting on or taking off your mask. You can find expert guidance about face coverings here.

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 in to 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.

No. We’re considered essential, so we’ll remain open. However, we have taken steps to help keep our employees well while ensuring our members see no lapse in service. In early 2020, we transitioned many of our customer service, care management, and claims and billing employees to work from home. Since March 16, 2020, the majority of our workforce has been working full time from their homes to allow them to practice social distancing. We’ve not experienced any reduction in service to you, nor do we expect any.

Yes. Our Foundation donated $5 million to food banks throughout Tennessee to help local organizations fight hunger. As this pandemic continues, more people are facing uncertainty about providing food for their families. This donation is our way of helping local organizations meet this need. These organizations can provide up to four meals for every dollar received.