State Department
of Insurance
Responses to
COVID-19

StateLinkSummaryState Websites for InformationHolding Special Enrollment Period for Uninsured?Statewide Shelter in Place?
Alabamahttps://www.alabamapublichealth.gov/infectiousdiseases/2019-coronavirus.html1. Carriers must waive cost-sharing for COVID-19 testing and provider visits for testing
2. Telehealth programs must be reviewed and equipped to meet demand
3. Once developed, a COVID-19 vaccine must be covered at no cost
4. Early prescription refills
https://www.alabamapublichealth.gov/infectiousdiseases/2019-coronavirus.htmlNoNot State, but Birmingham and other cities
Alaskahttps://www.commerce.alaska.gov/web/Portals/11/Pub/INS_B20-09.pdfAlaska Insurance Division has issued a number of bulletins including:the most recent B20-12 which suspended concurrent reviews for inpatient hosptial services; retrospective reviews for inptaited and outpaiteince services and emergency services, and preauthorization requirement for post-acute placements. Prior bulletin include provisions for: 1. Requires carriers that offer telehealth to expand telehealth coverage to all covered services with no prior in-person vision requirement.
2. If a carrier provides in-network services they must also offer a non-network option.
3. Insures shall waive cost-sharing for lab diagnostic testing for respiratory syncytial virus, influenza and COVID-19.
4. Carriers in ALL lines of coverage are prohibited from terminating insurance contracts due to no-payment, this is an extension of the grace period but does not eliminate obligation to pay premiums.
5. Deadlines required for standard external healthcare reviews have been extended to 75 days.
6. Carriers are encouraged to allow policy holders to self-audit and self-report changes in their exposure or risk profile and adjust premiums accordingly esp. regarding common exposure bases including miles driven, sales revenue, receipts, or payroll.
http://dhss.alaska.gov/dph/Epi/id/Pages/COVID-19/default.aspxNoYes
Arizonahttps://insurance.az.gov/governors-executive-order-2020-07-proactive-measures-protect-against-covid-1. Carriers must cover COVID-19 testing with waived cost sharing regardless of network
2. Carriers must cover telemedicine at a lower cost-sharing point than in-office services
3. DHS must prohibit, investigate, and take action against any health care professional or institution for price gouging
https://www.azdhs.gov/preparedness/epidemiology-disease-control/infectious-disease-epidemiology/index.php#novel-coronavirus-homeNoYes
Arkansashttps://govstatus.egov.com/ar-covid-19March 20, 2020: Executive Order suspends provision of the Telemedicine Act that require an in-person encounter or a face-to-face examination using real time audio and visual means to establish a professional relationship. Also issued a 60 day moratorium on cancellation/non-renewal of insurance policies for no-payment of premiums.https://www.healthy.arkansas.gov/programs-services/topics/novel-coronavirusNoNo
Californiahttp://www.insurance.ca.gov/Insurance Commisioner issued a notice to all insurance carriers to provide policyholders with at least a 60-day grace period.
Commission directed health insurance companies to submit emergency plans to ensue continued access to medically necessary health care services including allowing 90-day prescription refills.
1. Immediately eliminating cost-sharing, including but not limited to co-pays, deductibles, and coinsurance, for medically necessary screening and testing for COVID-19 and associated care where the purpose of the visit is to be screened and/ or tested for COVID-19
2. Educating providers on the cost sharing waivers
3. Reminding plans that emergency care does not require prior authorization
4. Prohibiting balance billing for COVID-19 related charges
5. Ensure adequate in-network coverage for COVID-19
6. Early prescription refills
http://www.insurance.ca.gov/01-consumers/140-catastrophes/Coronavirus.cfmYesYes
Coloradohttps://www.colorado.gov/pacific/dora/covid-19-and-insurance1. Directs carriers to conduct outreach and education campaigns to encourage consumers to use telehealth and
2. Directs carriers to cover COVID-19 related in-network services at no cost share through telehealth
3. Carriers must cover an additional one-time early refill of any necessary prescriptions, excepting high abuse risk drugs such as opioids.
4. Carriers must cover COVID-19 testing without cop-pay or deductible or co-insurance, and waived cost-sharing for any in-network visit related to COVID-19 testing.
5. If no in-network provider is available, COVID-19 testing must be covered as in network
https://www.colorado.gov/pacific/dora/news/consumer-advisory-division-insurance-directs-insurers-covid-19-coverageYesYes
Connecticuthttps://portal.ct.gov/-/media/CID/1_Bulletins/Bulletin-IC-39.pdfCommisioner issued notice requestiong all insurance companies to provide at least a 60-day grace period to pay premiums.
1. Carriers and providers are encouraged to waive cost-sharing related to COVID-19 testing.
2. Carriers and providers are encouraged to waive cost-sharing for treatment of COVID-19 via telehealth
3. Carriers are encouraged to devote resources to inform enrollees of available benefits related to COVID-19
4. Carriers and providers should ensure networks are prepared to handle increase in demand for care
5. If no in-network provider can provide COVID-19 testing and treatment, out-ofnetwork care is encouraged to be charged as in-network
6. Carriers are encouraged to authorize payment to pharmacies for 90 day supplies of maintenance medication, excepting controlled substances
7. Carriers are encouraged not to penalize enrollees for not following utilization review requirements relating to COVID-19 testing and treatment
8. Carriers and providers must inform the DOI of steps they are taking to respond to the above items
https://portal.ct.gov/Coronavirus/Pages/Emergency-Orders-issued-by-the-Governor-and-State-AgenciesYes, until April 2Yes
Delawarehttps://insurance.delaware.gov/wp-content/uploads/sites/15/2020/03/domestic-foreign-insurers-bulletin-no115.pdf1. COVID-19 testing is considered an Essential Health Benefit (EHB) and subject to EHB rules
2. Carriers are directed to ensure their telehealth programs are able to meet demand and cannot exclude telehealth services solely because they are provided through telemedicine.
3. Carriers must verify network adequacy, and must cover COVID-19 services at in-network cost sharing if there are only out-of-network options.
4. Carriers must complete timely utilization review and appeals after claim denial must be timely
5. Carriers should not require prior authorization for COVID-19 treatment
6. Once developed, immunizations for COVID-19 must be covered
7. Expedited formulary exceptions are available and PBMs are prohibited from requiring prior authorization for coverage of a 72 hour supply of medication
8. Carriers should provide for early refills or replacements of lost or damaged medication
9. Carriers must cover prescriptions covered at local retail pharmacies and not limit coverage to mail order; opioids should be covered by standard process
10. Carriers must comply with the Insurance Code as it relates to balance billing
11. Carriers are encouraged to cover COVID-19 testing and treatment with no cost sharing
https://delaware.gov/Yes until May 15 or until coronavirus is eliminatedYes
Floridahttps://www.myfloridacfo.com/sitePages/newsroom/pressRelease.aspxCommissioner is encouraging insurance carriers to be flixible with premium payments in order to avoid lapse in coverage.
1. Travel insurance companies and agents must pay claims promptly as it relates to COVID-19 related claims
2. Early prescription refills
https://www.floir.com/Office/Coronavirus-COVID-19.aspxNoYes
Georgiahttps://www.oci.ga.gov/ExternalResources/Announcements/Directive-3162020-1652.pdfCommissioner has directed all insurance carriers to refrain from canceling health and P&C policies for non-payment until further notice.
1. Carriers must waive copays and deductibles for COVID-19 testing; laboratories should be reimbursed by carriers at in-network rates
2. Two forms have been released for brokers with respect to Business Interruption Coverage and the Department will expedite review process for these coverages so carriers and brokers can offer this coverage to businesses immediately
3. Brokers' continuing education requirements are waived until April of 2020.
https://www.oci.ga.gov/home.aspxNoYes
Hawaiihttps://hawaiicovid19.com/As of 3/22/2020, no guidance has been issued by the state. Individual health insurance providers are covering at not cost if in network.https://health.hawaii.gov/docd/advisories/novel-coronavirus-2019/NoYes
Idahohttps://doi.idaho.gov/DisplayPDF?ID=77081. Idaho's carriers have voluntarily all waived cost sharing for COVID-19 testing, employees covered by self-funded plans are instructed to talk to their human resources department in regard to costsharing for COVID-19 testing.
2. DOI requests participants not be balance billed in relation to COVID-19 testing 3. SHIBA (Senior Health Insurance Benefits Advisors) are planning a series of webinars for Medicare beneficiaries as it relates to COVID-19
https://coronavirus.idaho.gov/NoYes
Illinoishttps://insurance.illinois.gov/Newsrls/2020/03/COVID-19-FAQ.pdf1. The CDC and Illinois Department of Public Health are covering the cost of laboratory testing for the presence of COVID-19.
2. Illinois Insurance Code prohibits health insurance carriers for charging higher OOP costs to an enrollee who sees an out of network provider at an in-network facility if there are no in-network providers available.
3. Carriers are encouraged to do all they can to allow people to get more than a 30 day supply of prescription drugs at one time, subject to the limitations of the prescription; prescriptions susceptible to abuse should be restricted to a 7 day prescription.
https://www2.illinois.gov/sites/OECD/Pages/COVID-19.aspxNoYes
Indianahttps://www.in.gov/coronavirus/files/FAQforPublic.pdfAs of 3/22/2020, no guidance has been issued. FAW released 3/21/2020 guided individuals to contract their insurance provider regarding costs.https://www.in.gov/coronavirus/NoYes
Iowahttps://iid.iowa.gov/covid-19Department asks for health carriers to make changes such as:
1. Waiving any cost-sharing for COVID-19 Laboratory tests.
2. Verify provider networks are adequate to handle potential increase
3. Should not use preauthorization requirements as barrier to access necessary treatment & be prepared to expedite review & appeal process
4. Make appropriate expedited forumulary exceptions
https://coronavirus.iowa.gov/NoNo
Kansashttps://insurance.ks.gov/documents/department/COVID19-FAQ.pdfOn 3/20/2020 Kansas Insurance Dept. issued a set of COVID-19 FAQs. The Dept. has required all insurers to Waive and cost sharing for COVID-19 testing. The Dept. knows many carriers are expanding telehealth services and providing for 90 day prescription refills, but does think it can mandate changes in those benefits. They include links to all major carriers in the state to get up to date information.https://ldchealth.org/442/COVID-19-2019-Novel-CoronavirusNoYes
Kentuckyhttps://governor.ky.gov/covid191. Early prescription refills
2. Executive order to prohibit price gouging
3. No prior authorization and no costs to testing or treatment for those on Medicaid
4. Refill prescription for up to 30 days except controlled medication-order expires April 8
5. On 3/14/2020, Gov guaranteed that COVID-19 testings would be free to all Kentuckians, even if uninsured
https://govstatus.egov.com/kycovid19NoYes
Louisianahttp://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/News-Notes/2020-03-05.DOI_Emergency_Regulations_re_COVID-19.pdf1. Carrier shall not impose OOP cost for provider office, urgent care center or emergency room when purpose of visit is to be tested for COVID-19
2. Carriers must inform consumers & providers on matters related to COVID-19 e.g. options for medical advice & treatment through telehealth.
3. Provide coverage for off-forumulary prescriptions in certain circumstances.
4. Early prescription refills
https://gov.louisiana.gov/NoYes
Mainehttps://www.governor.nh.gov/news-media/press-2020/documents/health-care-coronovirus-order.pdf1. Carriers must provide coverage--prior to application of any deductible and without cost-sharing--of the initial health care provider visit and FDA-authorized COVID-19 testing for those who meet the Centers for Disease Control and Prevention (CDC) criteria for testing, at in network provider office visits, urgent care visits, or emergency services to test for COVID-19.
2.If in-network providers are unavailable to conduct testing for COVID-19, insurance companies must cover out-of-network testing without prior authorization.
3. Permit insureds to obtain a one-time refile of Rx prior to expiration of waiting period between refills.
4. Emergency Response order to remove restrictions on telehealth https://www.maine.gov/pfr/insurance/covid19_cornoavirus/pdfs/Insurance%20Emergency%20Response%20Order%20re%20Telehealth.pdf
https://www.maine.gov/pfr/insurance/covid19_cornoavirus/index.htmlNoYes
Marylandhttps://insurance.maryland.gov/COVID-19/Pages/default.aspxInsurance Department has approved following requirements on health insurers: 1. Carriers must waive cost-sharing for any visit to diagnose or test for COVID-19; 2. Carriers must waive any cost-sharing for lab fees related to COVID-19; 3. Carriers must waive any cost-sharing for COVID-19 vaccination; 4. Commissioner may require carriers to make claims payments for COVID-19 treatment denied as experimental; 5. Carriers must evalute out-of-network provide networks for testing; 6. MIA is instititing expedited grievance prodedures.https://coronavirus.maryland.gov/Yes, until April 25Yes
Massachusettshttps://www.mass.gov/doc/bulletin-2020-02-addressing-covid-19-coronavirus-testing-and-treatment-issued-362020/download1. Prohibits health carriers from imposing cost sharing, including copays, coinsurance and deductibles for testing and health care services related to COVID-19. This rule also covers pneumonia, influenza, or any disease or condition that is the subject of a public health emergency.
2. Requires carriers providing major medical coverage and carriers providing limited benefits coverage to notify their members whether and to what extent their policies cover testing and health care services related to COVID-19. Additionally, if an carrier only offers limited coverage, they must notify their members of available full coverage options.
3. Requires limited benefit plans (such as workers compensation and automobile medical payment insurance) to provide notice to their members that their plans do not provide comprehensive medical coverage and to give members information on where they should go to check on their eligibility to apply for and obtain such coverage
https://www.mass.gov/info-details/covid-19-guidance-and-directives#insurance-Yes, until April 25Yes
Michiganhttps://www.dfs.ny.gov/industry_guidance/circular_letters/cl2020_031. Waive 7 day elimination period for unemployment insurance due to COVID-19
2. Require insurance companies to waive co-payments for telehealth visits.
3. All COVID-19 tests conducted at the state's Wadsworth Lab are fully covered
4. Prohibits health carriers from imposing cost-sharing on an in-network provider office visit or urgent care center when the purpose of the visit is to be tested for COVID-19.
5. Prohibits health carriers from imposing cost-sharing on an emergency room visit when the purpose of the visit is to be tested for COVID-19.
6. Directing carriers to provide insurance coverage for off-formulary prescription drugs if there is not a formulary drug available to treat the insured
https://www.michigan.gov/coronavirus/0,9753,7-406-98158---,00.htmlNoYes
Minnesotahttps://www.ncdoi.gov/documents/20-b-05-guidance-carriers-regarding-coverage-and-cost-sharing-requirements-related-covid1. Requests carriers to waive prior authorization for COVID-19 diagnostic tests and covered services that are medically necessary and consistent with Centers for Disease Control and Prevention (CDC) guidance for insureds if diagnosed with COVID 2. Requests carriers to cover medically necessary diagnostic tests that are consistent with CDC guidelines related to COVID-19 at no cost to the insured 3. Requests carriers, where appropriate, to make expedited formulary exceptionshttps://mn.gov/mmb/be-ready-mn/infectious-diseases/covid-19.jspNoYes
Mississippihttp://www.mid.ms.gov/consumers/covid.aspx1. Urges companies to waive cost sharing requirements for the testing of COVID-19
2. Asks carriers to waive any prior authorization requirements associated with COVID-19 testing or treatment
3. Asked, where appropriate, to make expedited formulary exceptions
4. Directed carriers to expand use of telemedicing and suspend some prior limits on these services to make it easier to use.
5. Asked carriers where appropriate to make expedited formulary exceptions
https://msdh.ms.gov/msdhsite/_static/14,0,420.htmlNoYes
Missourihttps://health.mo.gov/3/21/2020 Bulletin from Insurance Director
1. Encouraged health carriers to extend 60 day grace period for premiums.
https://governor.mo.gov/press-releasesNoNot State, but several cities and counties
Montanahttps://covid19.mt.gov/Expansion of telemedicine for Medicaid patience, no additional guidance released as of 3/22/2020.https://covid19.mt.gov/NoYes
Nebraskahttps://doi.nebraska.gov/sites/doi.nebraska.gov/files/doc/ConsumerAlertCoronavirus-WhatDoesMyInsuranceCover_1.pdfAs of 3/22/2020, no guidance has been issued; a fact sheet on major health insurance carriers was released.http://dhhs.ne.gov/Pages/Coronavirus.aspxNoNo
Nevadahttp://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/News-Notes/2020-03-05.DOI_Emergency_Regulations_re_COVID-19.pdf1. Carrier shall not impose OOP cost for provider office, urgent care center or emergency room when purpose of visit is to be tested for COVID-19
2. Carriers must inform consumers & providers on matters related to COVID-19 e.g. options for medical advice & treatment through telehealth.
3. Provide coverage for off-forumulary prescriptions in certain circumstances.
https://nvhealthresponse.nv.gov/Yes, until April 15Yes
New Hampshirehttps://www.governor.nh.gov/news-media/press-2020/documents/health-care-coronovirus-order.pdfCarriers must provide coverage--prior to application of any deductible and without cost-sharing--of the initial health care provider visit and FDA-authorized COVID-19 testing for those who meet the Centers for Disease Control and Prevention (CDC) criteria for testing, at innetwork provider office visits, urgent care visits, or emergency services to test for COVID-19.https://www.nh.gov/insurance/consumers/health-insurance-coronavirus-faq.htmNoYes
New Jerseyhttps://www.state.nj.us/dobi/bulletins/blt20_03.pdf1. Department advising for health carriers to refrain from imposing cost-sharing for any emergency room visit, any in-network office visit, or in-network urgent care center when the purpose of visit is to be tested for COVID-19.
2. Department advising for carriers to waive cost-sharing for medically necessary COVID-10 lab tests.
3. Should not use preauthorization requirements as barrier to access necessary treatment & be prepared to expedite review & appeal process
4. Encouraging carriers to provide coverage for RX drugs to treat COVID-19 at preferred level of cost-sharing.
https://www.nj.gov/health/NoYes
New Mexicohttps://www.osi.state.nm.us/wp-content/uploads/2020/03/TPA-letter_20200313.pdf1. Prohibits health carriers from imposing cost sharing, including copays, coinsurance and deductibles for testing and health care services related to COVID-19. This rule also covers pneumonia, influenza, or any disease or condition that is the subject of a public health emergency.
2. Requires carriers providing major medical coverage and carriers providing limited benefits coverage to notify their members whether and to what extent their policies cover testing and health care services related to COVID-19. Additionally, if an carrier only offers limited coverage, they must notify their members of available full coverage options.
3. Requires limited benefit plans (such as workers compensation and automobile medical payment insurance) to provide notice to their members that their plans do not provide comprehensive medical coverage and to give members information on where they should go to check on their eligibility to apply for and obtain such coverage
https://www.osi.state.nm.us/index.php/covid-19/NoYes
New Yorkhttps://www.dfs.ny.gov/industry_guidance/circular_letters/cl2020_031. Waive 7 day elimination period for unemployment insurance due to COVID-19
2. Require insurance companies to waive copayments for Tele-health visits.
3. All COVID-19 Tests Conducted At The State's Wadsworth Lab Are Fully Covered
4. Prohibits health carriers from imposing cost-sharing on an in-network provider office visit or urgent care center when the purpose of the visit is to be tested for COVID-19.
5. Prohibits health carriers from imposing cost-sharing on an emergency room visit when the purpose of the visit is to be tested for COVID-19.
6. directing carriers to provide insurance coverage for off-formulary prescription drugs if there is not a formulary drug available to treat the insured
https://www1.nyc.gov/site/doh/health/health-topics/coronavirus.pageYes until April 15Yes
North Carolinahttps://www.ncdoi.gov/documents/20-b-05-guidance-carriers-regarding-coverage-and-cost-sharing-requirInsurance Commissioner has asked insurance carriers to relax due dates for premiums and extend grace periods.
1. Requests carriers to waive prior authorization for COVID-19 diagnostic tests and covered services that are medically necessary and consistent with Centers for Disease Control and Prevention (CDC) guidance for insureds if diagnosed with COVID
2. Requests carriers to cover medically necessary diagnostic tests that are consistent with CDC guidelines related to COVID-19 at no cost to the insured
3. Requests carriers, where appropriate, to make expedited formulary exceptions
https://www.ncdhhs.gov/divisions/public-health/coronavirus-disease-2019-covid-19-response-north-carolinaNoYes
North Dakotahttps://www.nd.gov/ndins/covid-19-coronavirus-and-insurance1. Urges companies to waive cost sharing requirements for the testing of COVID-19
2. Asks carriers to waive any prior authorization requirements associated with COVID-19 testing or treatment
3. Asked, where appropriate, to make expedited formulary exceptions
https://www.nd.gov/ndins/news/insurance-commissioner-issues-bulletin-supporting-coverage-coronavirus-covd-19-testingNoNo
Ohiohttps://insurance.ohio.gov/wps/portal/gov/odi/about-us/divisions/communications/resources/insurance-and-coronavirus-covid-19Superintendent of Insurance has ordereed testing & treatment related to COVID-19 virus be covered without preauthorization and must be covered as if in-network. Insurers must permit employers to cointinue to cover employees under grup policies even if the employee would normally not be eligible due to a decrease in hours.
All insurers are to give their insureds the option of deferring premium payments coming due, interest free, for up to 60 days form premium due date.
The Federal Centers for Disease Control and Prevention (CDC) and the Ohio Department of Health (ODH) are currently covering the cost of the lab test for the presence of COVID-19. Yet, provider offices, labs, urgent care facilities and hospitals might still charge their own fees for collecting the specimens, which then could be billed to the patient or to the patient's health insurance issuer. Call your insurance provider to discuss available coverage.
https://insurance.ohio.gov/wps/portal/gov/odi/about-us/divisions/communications/resources/insurance-and-coronavirus-covid-19YesYes
Oklahomahttps://www.oid.ok.gov/consumers/get-ready/covid-19/Insurance Commissioner requested health insurers to
1. Waive all cost-sharing for COVID-19 testing;
2. Waive all copays for telehealth services;
3. Cannot cancel coverage for anyone diagnosed with COVID-19 for next 90 days;
4. Extend grace period for non-payment of premiums to 50 days;
5. 60-day supply may be filled with 30-day prescription (except controlled substances)
https://www.oid.ok.gov/coronavirus_faqs/NoYes
Oregonhttps://dfr.oregon.gov/insure/health/understand/Pages/coronavirus.aspxIssued emergency order requiring all insurance companies to exten grace period or premium payments and suspend all cancellations and nonrenewals for active insurance policies.
1. The state has reached an agreement with several health insurance companies to waive co-payments, co-insurance, and deductibles for their customers who need COVID-19 testing. A list is on the webpage.
2. Covered services: * COVID-19 laboratory testing administered consistent with guidelines issued by the United States Centers for Disease Control and Prevention. * An in-network provider office visit or a visit to an in-network urgent care center to be tested for COVID-19. *An emergency room visit to be tested for COVID-19. * Immunization for COVID-19, once it becomes available.
3. Oregon's balance billing law prohibits out-of-network providers working in an in-network facility from charging out-ofnetwork rates to a patient. It also requires carriers to apply the in-network consumer cost-sharing amount to these services.
4. Nothing specific on P&C coverage, refers policy holders to review policy & contact carrier.
https://dfr.oregon.gov/insure/health/understand/Pages/coronavirus.aspxNoYes
Pennsylvaniahttps://www.insurance.pa.gov/Pages/default.aspxOn 3/20/2020, the Insurance Department issued several notices related to COVID-19
1. Urged carriers to provide flexibility to make timely payments on premiums, including relaxing due dates and extending grace periods.
2. Medical Assistance is available to provide COVID-19 Lab tests without any copayments.
3. Major carriers have voluntarily agreed to waive cost sharing for COVID-19 diagnostic testing and associated treatment.
https://www.health.pa.gov/topics/disease/Pages/Coronavirus-Insurance.aspxYes, if loss of employer insuranceYes
Rhode Islandhttp://www.ohic.ri.gov/indexB.phpOn 3/25/2020 Superintendent of Insurance issued bulletin to insurers to:
1. Provide flexibility with extended grace periods for premium payments;
2. Provide waivers of late insufficient funds and installment fees and penalties, extension of billing due dates and premium grace periods.
Office of Health Insurance Commissioner and RI Medicaid Program issued order to health carriers to: 1. Update telemedicine policies to include primary care & behavioral health providers
2. Require out of state telemedicine providers to follow Rhode Island instructions
3. Ensure coverage of COVID-19 testing & screening with no cost sharing
4. Consider or remove any impediments to care such as specialist referrals and prior authorizations
5. In the event a federally-approved vaccine becomes available for COVID-19, cover the cost with no cost sharing for all covered enrollees
6. Assess provider network adequacy
7. Comply with RI Gen Laws Sec. 27-18-76 regarding emergency services including out of network emergent care.
8. Early prescription refills
https://health.ri.gov/diseases/ncov2019/Yes until April 15Yes
South Carolinahttps://www.doi.sc.gov/948/COVID-191. Major carriers are all waiving cost sharing for medical testing and screening services for COVID-19. A list of carriers & links to each is on webpage.
2. Free virtual COVID-19 screenings are available through MUSC and Prisma Health.
3. CVS Pharmacy is waiving charges for home delivery of prescriptions.
https://www.doi.sc.gov/948/COVID-19NoNot State, but several cities including Charleston
South Dakotahttps://doh.sd.gov/news/Coronavirus.aspxAs of March 22, 2020, no specific guidance has been issued by the Insurance Commissioner.https://dlr.sd.gov/covid_19_resources.aspxNoNo
Tennesseehttps://www.tn.gov/governor/covid-19.html3/25/2020 Insurance Commissioner requested healthcare insurance companies to provide employers and consumers with as much flexibility as practicable during emergency.
Previously Commisioner had urged health carriers to remove any burdents to treatment of COVID-19, urged expansion of telemedicine, and urged carriers to not impose prior authorization requirements on medically necessary treatment related to COVID-19.
https://www.tn.gov/commerce/news/2020/3/9/tdci-offers-guidance-to-companies-and-tennesseans-about-coronavirus.htmlNoYes
Texashttps://www.tdi.texas.gov/news/2020/coronavirus-updates.htmlTexas carriers covering more than 95% of state-regulated market are waiving cost sharing for medically necessary testing of COVID-19. A list is on webpage. Many carriers are also offering telemedicine at no cost to consumers. Appears to be encouragement of carriers versus requirements.https://www.tdi.texas.gov/news/2020/coronavirus-updates.htmlNoNot State, but several Counties
Utahhttps://insurance.utah.gov/featured-news/coronavirusRecommend carriers waive cost sharing for diagnostic testing when recommended by a healthcare provider. List of carrier responses and links on the webpage.https://coronavirus.utah.gov/NoNot State, but several Counties
Vermonthttps://dfr.vermont.gov/about-us/covid-193/23/2020 Dept. of Financial Regulation requested all insurance companies provide policyholders with reasonable grace period to pary premiums.
3/20/2020 Dept. issued bulletin encouraging insurers make available larger-than-30-day supply of prescriptions when appropriate.
3/19/2020 Dept. issued memo urging health insurers to expand coverage & reimbursement of telemedicine services.
https://www.healthvermont.gov/response/infectious-disease/2019-novel-coronavirusNoYes
Virginiahttp://www.vdh.virginia.gov/content/uploads/sites/182/2020/03/General-Questions-FAQ_03.19.20_FINAL.pdfAs of March 22, 2020 no specific guidance has been issued by the Insurance Commissioner.
As of March 19, 2020, VDH issued FAQs: http://www.vdh.virginia.gov/content/uploads/sites/182/2020/03/General-Questions-FAQ_03.19.20_FINAL.pdf
http://www.vdh.virginia.gov/coronavirus/NoYes
Washingtonhttps://www.insurance.wa.gov/coronavirus3/26/2020 Governor signed proclamation providing payment parity between in-person and telemedicine services. 3/25/2020 Commissioner ordered carriers to carriers to expand telehealth, cover all medically-necessary diagnotic testing, and provide 60-day grace periods.1. Commissioner ordered carriers to waive deductibles, coinsurance and copays for COVID-19 testing; 2. Allow enrollees to obtain a one-time refill of covered prescription medications;3. Suspend any prior authorization requirements for covered diagnostic testing and treatment of COVID-19; 4. Ensure adequacy of in-network providers for testing and treatment of COVID-19https://www.doh.wa.gov/emergencies/coronavirusYes, until April 8Yes
West Virginiahttps://www.wvinsurance.gov/COVID-19Insurance Commissioner has declared an insurance emergency in West Virginia. 1. Ordered carriers to provide an additional one-time early refill on prescriptions and 90 days on maintenance medications; 2. Requested carriers take all practical steps to remove barriers to telehealth & telemedicine; 3. Requested carriers to waive cost sharing for COVID-19 lab tests and innetwork urgent care center and ER visits for COVID-19 tests; 4. Asked carriers to verify adequacy and access to out-of-network services; 5. Asked carriers to expedite utilization review and appeal process for services related to COVID-19; 6. In the event a COVID-19 vaccine becomes available, asked carriers to waive cost sharing for all members; 7. Asked carriers to make expedited formulary exceptions for insureds.https://dhhr.wv.gov/COVID-19/Pages/default.aspxNoYes
Wisconsinhttps://oci.wi.gov/Pages/Regulation/Bulletin20200306COVID-19.aspx3/20/2020 Commissioner asked insurers to offer flexibility by offering non-cancellation periods and deferring premium payments.
3/6/2020: Commissioner asked health insurers to:
1. Ensure they are prepared for an influx of requests
2. Inform insureds of available benefits, respond promptly, and consider streamlined responses
3. Waive cost sharing for COVID-19 testing
4. Carriers must waive cost sharing for provider visits for testing related to COVID-19
5. Ensure their telehealth programs are robust enough to keep up with demand
6. Ensure networks are adequate to handle increased need, exception should be made to provide out of network providers at in-network cost sharing
7. Expedite prior authorization requests and they should not be a barrier to access
8. Once developed, a COVID-19 vaccine must be covered at no cost
9. Make expedited formulary exceptions for health conditions that could jeopardize their life 10. Carriers must be flexible on prescription drug supply limitations and refill limitations; insured should be able to fill medications for up to 90 days or until the prescription expires, and prior authorization for early refills should be removed
https://oci.wi.gov/Pages/PressReleases/20200306COVID-19Release.aspxNoYes
Wyominghttp://doi.wyo.gov/1. Carriers should waive any cost sharing for testing for COVID-19, RSV, influenza, and respiratory panels, regardless of whether the test is done in or out of network
2. Carriers are encouraged to liberalize telehealth benefits; and ensure they are robust enough to meet demand
https://dhhr.wv.gov/COVID-19/Pages/default.aspxNoNo shelter in place, but nonessential services have been shut down
No