How will Health Insurance in California pay for

Corona Virus Testing, Quarantine, Treatment and


Testing with No Co-Pays, Deductibles, No Out of Pocket, etc.


Californian’s who fit the testing requirements (visit our webpage on Medical Necessity) will receive the test at no charge.  This could be a $1331 expense conservatively Real Clear Politics * Governor Newsom and Insurance Commissioner Lara announced Thursday March 5th. * Los Angeles Times 3.5.2020 *

Criteria for Testing

Do you need the test?

Los Angeles Times Steve Lopez 3.24.2020 on what to do if you think you have the virus?

Testing – from swab to result – LA Times 4.1.2020 

You may need testing if you have symptoms of infection and have recently traveled to parts of the world where infection rates are high. You may also need testing if you have had close contact with someone who has traveled to one of those areas.

Symptoms of coronavirus infections include:

Symptoms of COVID-19 are usually milder than those of SARS and MERS.

The symptoms of COVID-19 include:

  • Fever
  • Cough
  • Shortness of breath

If you have symptoms and have not traveled to areas where infection rates have been high or been exposed to someone who has, it’s highly unlikely that you have one of these new coronaviruses. You may have another type of virus, such as the flu. The flu is much more common in the United States than the new coronaviruses.

If you test Positive

If your results were positive, it means you probably have a coronavirus infection. There is no specific treatment for these infections, but your health care provider may recommend steps to relieve your symptoms. These include:

Learn more —

Med Line Plus . Gov

Visit our webpage on Medical Necessity



Insurance Company Bulletins on Coronavirus Test & Treatment

Under Health Insurance Coverage

Aetna – CVS

Our Employer Webpage


FAQ for 100+ & Self Insured

Small Group 2 – 100

Press Releases

Special Enrollment Period

Cigna Insurance

Blue Shield

Our Employer Webpage Groups

Individual & Families

What you need to know

Tele Doc


No Co Pays or Deductibles for treatment

Blue Cross 

Coronavirus Member FAQ
Coronavirus Educational Flyer
Coronavirus Broker Employer FAQ

More FAQ’s

Covering ALL costs!  Even if you had a Bronze Plan!

Press Release

Life Health ONLINE

Our Employer Group Webpage

Individual & Families

pdf flyers & FAQ’s

CA Department of Insurance

All Lines of Insurance

What if I cannot pay my insurance premiums?

Requesting a 60-day grace period to pay insurance premiums – On March 18, 2020, the Department issued a Notice requesting all insurance companies provide their policyholders with at least a 60-day grace period to pay their premiums.

Consumers should contact their insurance company if they need additional time to pay their premium.

Cal Choice

CaliforniaChoice COVID-19 FAQs – Download
COVID-19 Additional Resources – Download

Covered CA   pdf

Enrollment is OPEN due to pandemic!

Press Release

Get Instant Quotes

Rate Increase for COVID 19?

The COVID-19 outbreak could cause premiums for individuals and employers to spike from 4% to 40% next year, according to a study from Covered CA!

Treatment costs could also vary dramatically, as they could be roughly $30,000 per admission for COVID-19. That figure is based on Medicare rates and the average length of stay of 12 days, which is a similar length for other respiratory cases such as the flu or pneumonia. Fierce Health Care *

Health Net

Our Employer Group Webpage

Individual & Families


Employer Notice

Member Notice

What you need to know about Coronavirus

Broker Bulletins

Commercial Group

Individual & Family Plans

Kaiser COVID

Our Individual Page for Kaiser

Group Page


National Assoc of Health Underwriters


Our Medicare Website


Older Adults



Individual & Families

Mental Health

Employer Group



Employer Group Website

Sutter Health

Coverage & Cost


Employer Group Website

Our Webpage on Sutter Individual with more information

United Health Care FAQ’s

Employer Group Website

Press Release

UHC will cover testing

Insurance through your employer



Warner Pacific – Wholesaler  

Western Health Advantage

Nurse 24

Connect with your MD 24/7

Word & Brown Wholesaler

More info  /covid19

More Links



Workers Compensation


Our webpage on what Worker’s Comp covers

Mental Health Treatment

Our webpage on Medicare Mental Health

LimitationsMedical Necessity

NAMI on COVID 19 Anxiety, lonely, homelessness, serious Mental Illness 

Anxiety about the Corona Virus
  • checking several times a day can keep us in an escalated state of anxiety
  • sticking to reliable sources of coronavirus information such as the U.S. Centers for Disease Control and Prevention (CDC).
  • taking reasonable precautions,” safety advice from the CDC,
    • such as frequent handwashing;
    • stay home if you don’t feel well;
    • get enough sleep and
    • take good care of your immune system.
    • “Preparing a plan for the future, such minimizing exposure to large crowds, makes sense and can help reduce anxiety,”
  • Fear is a normal, necessary evolutionary response to threat – ultimately designed to keep us safe. Whether the threat is emotional, social or physical, this response is dependent on a complex interaction between our primitive “animal brain” (the limbic system) and our sophisticated cognitive brain (the neo-cortex).
  • People with health anxiety, preoccupied with health-related information or physical symptoms, are also at risk of worsening mental health as the virus spreads.
    •  stop checking. For example, avoid looking for signs of illness. You are likely to find unfamiliar physical sensations that are harmless but make you feel anxious. Normal physical changes and sensations pass in time, so if you feel your chest tighten, shift your focus onto pleasurable activities and adopt “watchful waiting” in the meantime.
    • At times of stress and anxiety, hyperventilation and shallow breathing is common. Purposeful, regular breathing can therefore work to reset the fight or flight response and prevent the onset of panic and the unpleasant physical symptoms associated with anxiety. Science Alert. com
  • Psychiatrist’s Guide to Coping with COVID 19  Jennifer Yashari MD

Lost your job?

Corona Virus Health Insurance

Alternatives & Options

Follow Along

Graphic of Coronavirus from The Sun.UK
Corona Virus Graphic

Steve explains this page

Sutter Video

Oscar Telemed Video

Insubuy Travel Health Insurance
Instant Quotes, Details and ONLINE Enrollment 

International Travel Insurance

Oscar Video on Corona Virus Coverage

We want our members to go to the doctor if they are feeling sick, and to get tested for COVID-19, if it’s recommended. We don’t want the cost of the test to be a barrier to patients seeking care.

Sutter Health – Why Social Distancing is so important

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Science Fiction 1964
Last Man on Earth
Vincent Price

In the year 1968, every day is the same for Dr. Robert Morgan (Price): he wakes up, gathers his weapons, and then goes hunting for vampires. Morgan lives in a world where everyone else has been infected by a plague that has turned them  into undeadvampiric creatures that cannot stand sunlight, fear mirrors, and are repelled by garlic. They would kill Morgan if they could, but they are weak and unintelligent. At night, Morgan locks himself inside his house; during the day, he kills as many vampires as he can, burning the bodies.

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