How will Health Insurance Companies in California pay for

Corona Virus Testing, Quarantine, Treatment, 

Hospitalization, enrollment and premium payments?

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?

City of Los Angeles – Schedule a Test if you have symptoms or been in contact with an infected person.  

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

cdc.gov/coronavirus/lab-testing

Visit our webpage on Medical Necessity

 

 

Insurance Company Bulletins on Coronavirus Test & Treatment

Under Health Insurance Coverage

Aetna – CVS

Our Employer Webpage

Aetna

FAQ for 100+ & Self Insured

Small Group 2 – 100

Press Releases

Special Enrollment Period

AIG Life Insurance

Cigna Insurance

Blue Shield

Our Employer Webpage Groups

Individual & Families

What you need to know

Tele Doc

FAQ’s 

Premium Payment Flexibility  Email us [email protected] if link doesn’t work

No Co Pays or Deductibles for treatment

Search Results for Corona Virus

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?

Grace Period extended to July 14th! 

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 *

Medi – Cal

County Office Contact Information

 

Geo Blue

Get Travel Quotes

 

Health Net

Our Employer Group Webpage

Individual & Families

Alerts

Employer Notice

Member Notice

What you need to know about Coronavirus

Broker Bulletins – including Special Enrollment

Commercial Group

Individual & Family Plans

Kaiser COVID

Our Individual Page for Kaiser

Group Page

FAQ’s

Facility Closures & Consolidations

LA Care

Payments

National Assoc of Health Underwriters

Medicare

Our Medicare Website

Telehealth

Older Adults

medicare.gov/medicare-coronavirus

Molina 

Updates & Bulletins

No costs for testing

Ask us for 4.10.2020 memo

Our webpage for Molina

Oscar

Individual & Families

Mental Health

Employer Group

Protective

Sharp

Employer Group Website

Sutter Health

Coverage & Cost

FAQ’s

Employer Group Website

Our Webpage on Sutter Individual with more information

United Health Care FAQ’s

uhc.com/faq-employer 

Employer Group Website

Press Release

UHC will cover testing

Insurance through your employer

Medicare

Medicaid

Warner Pacific – Wholesaler

Western Health Advantage

Nurse 24

Connect with your MD 24/7

Word & Brown Wholesaler

More info  /covid19

More Links

ADAA.org

 

 

Workers Compensation

Insurance Journal.com

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,” UCSF.edu
  • 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
  •  Psych Hub, a free digital hub to help our members with the stress resulting from COVID-19. This hub brings together a variety of resources to help members cope with social isolation, job loss and mental health issues. 
  • help with food, housing, job training, transportation and other social support.   Aunt Bertha to connect individuals and families to social services in their communities. visit Aunt Bertha and enter your ZIP code. 

Government Public Health Agencies

 

CA Department of Public Health

Centers for Disease Control & Prevention

State of Israel – Very Detailed in English

California State Disability Insurance

Department of Industrial Relations – Paid Sick Leave

World Health Organization

World Meter Statistics

US Department of Labor – Pandemic

Small Biz Administration

Covid 19 Loans

Our Webpage on SBA Loans

Our webpage on CARES Act

CA State Senator Steve Bradford’s Links & Tools

sd35.senate.ca.gov/covid-19-resources

State of CA

covid19.ca.gov  

 

Social Service Agencies

Resources available from AARP

AARP Community Connections

Lost your job?

Corona Virus Health Insurance

Alternatives & Options

Follow Along

Steve explains this page

Our Webpage on Insurance Coverage for 

COVID 19

corona virus graphic

Graphic from The Sun.UK

Steve Shorr
Website Introduction

Get a quote

Appoint us as your broker

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

Enter your census or securely send us an excel spreadsheet or a list of employees and get instant proposals for California
Enter your census and we will get right back to you with quotes

 

Schedule a Skype, Phone or Face to Face meeting

 

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.

10 comments on “Corona Virus – How does Insurance Cover it?

  1. Why is this titled China Coronavirus?

    A lot of Asians and Asian looking people are being discriminated against because of titles like this.

    Please just call it coronavirus or the specific name COVID 19 without having to make it racial.

    • Boy, I had to search and search my website and emails to find what you might be referring to.

      The only thing I found was the graphic that was the most authoritative thing I could find at the time in an article dated January 21, 2020 and maybe some alt tags.

      Very few people are viewing my pages on Health Coverage for Coronavirus. ONLY ONE person has contacted me about getting coverage under the special enrollment period for corona virus!

      Since I’m under stay at home orders, I haven’t seen any discrimination against Asians.

      We called it the Spanish Flu, German Measles

      Here’s an article about language evolving and no longer using countries to name a disease.

      17 diseases names after places, countries or people.

      Do you think the COUNTRY of China did what they could to contain the disease from spreading throughout the world? I won’t even go into those who think it’s a bio weapon.

      In this case however, it’s even more important to identify the new Wuhan coronavirus sweeping the globe with its origin in the Chinese city of Wuhan as China tried to mask the warning signs of a global outbreak and downplay its severity leading to what the World Health Organization has now declared a “global pandemic.”

    • Check my webpage above, I have a video from Dr. Duc C. Vuong posted on Coronavirus.

      Yesterday I watched this webinar

      “Global Responses to COVID-19: A conversation with the Consuls of Canada & South Korea”.

      The third livestream between the Los Angeles World Affairs Council & Town Hall and the World Trade Center Los Angeles will broaden the forum on business and trade to include the international perspectives of Canada and South Korea.

      This discussion will host the

      Consul and Senior Trade Commissioner at the Canadian Consulate Thierry Weissenburger,

      the Consul at South Korean Consulate Taehoon Ku, and will be moderated by

      President of the World Trade Center Los Angeles Stephen Cheung.

      These global leaders will analyze the responses to COVID-19 taken by their respective governments broadly, and also will hone in on the approaches to assistance programs and mitigating the impact on businesses

      I was impressed with Dr. Vuong showing his credentials, Mr. Cheung didn’t say anything, but his diplomas were behind his desk. Yesterday, I added a picture of my credentials to my bio page.

      diplomas

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