What you need to know about Coronavirus (COVID-19) and your health plan coverage

Updated July 16, 2020

HPI is monitoring the coronavirus (COVID-19) outbreak and what it means for our members, clients, business partners and communities.

The Centers for Disease Control and Prevention (CDC) website is the best source for up-to-date information. The outbreak is evolving quickly, and the CDC and health departments in each state are working on public health policies to help prevent the spread of the illness.

Stay safe. If you need to see a doctor, call first. Many providers that you have always seen in person are now offering appointments over the phone. If your doctor or urgent care facility doesn’t offer phone or video visits, you have access to telemedicine through other providers.

Try the CDC’s symptom checker to help you make decisions about seeking appropriate care.

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HPI has implemented the following coverage for medically necessary COVID-19-related services at in-network doctor’s offices, urgent care centers, telemedicine providers or emergency rooms:

  • Testing*: covered in full, no member cost-sharing
  • Treatment: covered in accordance with member's plan and applicable member cost-sharing
  • Telehealth services: covered in full, no member cost-sharing
  • Prior authorizations: not required for COVID-19 testing

*Cost-sharing for testing received from out-of-network providers also will be waived should the urgent services be unavailable from in-network providers.

HPI will continue to review coverage and cost-sharing policies to ensure that members can receive the appropriate COVID-19 testing and treatment without difficulties.

HPI Case Management is here to help

Assistance is available to eligible members who are having difficulty managing their current medical needs during this pandemic. Case Managers can help to obtain currently approved medications, medical equipment or accessing and coordinating needed medical care. Please contact your case manager directly or send an email to casemanagement@healthplansinc.com. Please include your name, contact information and best day/time, and our case manager will attempt to contact you.

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If you have health concerns, check in with your health care provider to see if they offer virtual visits from home (via smartphone, tablet or computer). If your provider doesn't offer virtual visits, providers such as Doctor On Demand are covered under all plans. Members can also receive outpatient behavioral health care through virtual visits.

Telehealth visits may help limit the spread of the disease and provide crucial behavioral health care to those in need. It may also be an option for individuals in self-imposed quarantine to check in with a health care provider.

HPI is taking steps to ensure all plans provide coverage for telehealth services as follows:

  • All plans, including Qualified High Deductible Health Plans (QHDHPs), will cover COVID-19-related testing, treatment and counseling via telemedicine providers with no member cost-share.
  • All plans, excluding QHDHPs, will cover all other services received via telehealth providers with no member cost-share*.
  • All QHDHPs will continue to cover non-COVID-19 related telehealth services with applicable member cost-sharing, as the IRS has not changed the regulations governing these plans to date.

*This may vary by client. Please refer to the client’s Plan Document to confirm how these services are covered.

United Behavioral Health/Optum offers a Public Crisis Line for those needing emotional support. Open 24/7, this help line is free of charge and available to anyone.
Call (866) 342-6892

SAMHSA’s Disaster Distress Helpline provides 24/7, 365-day-a-year crisis counseling and support to people experiencing emotional distress related to natural or human-caused disasters, and infectious disease outbreaks.
Call (800) 985-5990

Virtual Wellness

Stuck at Home (Together) Heading

During these uncertain times social connection is more important than ever. Stuck at home (Together) offers a creative way to help you sustain social connections while reducing some of the stress and anxiety that you may be experiencing.

FAQs Heading

Who can I call at HPI with questions?

Benefits and coverage questions:
Contact the phone number listed on the back of your Member ID Card, or call:

Monday through Friday, 8am to 5pm (ET)

COVID-19 -specific questions:
Monday through Friday, 8am to 5pm (ET)

If you are not feeling well, please contact your primary care provider to discuss active symptoms.

Tips to protect yourself

The Centers for Disease Control and Prevention (CDC) website is the best source for up-to-date information. The outbreak is evolving quickly, and the CDC and health departments in each state are working on public health policies to help prevent the spread of the illness.

Help protect yourself with these tips:

  • Avoid close contact with people who are sick
  • Avoid touching your eyes, nose and mouth
  • Stay home from work or school if you are sick
  • Wash your hands often with soap and warm water, and for at least 20 seconds. Do this especially:
    • Before eating
    • After using the bathroom
    • After coughing, sneezing or blowing your nose
  • If soap and warm water aren’t available, use hand sanitizer with at least 60% alcohol
  • Cover coughs and sneezes with tissue, and put the tissue in the trash
  • Clean and disinfect doorknobs, phones and other surfaces and objects you frequently touch
  • Get rest, eat healthy, drink fluids and be physically active to keep your immune system strong
  • Review the CDC’s travel guidance if you have recently been or plan to travel overseas

Call your health care provider if you have a fever with a cough or difficulty breathing, and:

  • You have been in close contact with someone who has coronavirus
  • You live or recently traveled somewhere that has an ongoing spread of coronavirus

Your health care provider will work with your state’s public health department and the CDC to determine if you need to be tested for coronavirus.