Covid-19 Benefit Coverage
Telemedicine Health Insurance Coverage
All Medical Plans (Allegiance, BCBS, Pacific Source) have been advised to allow claims for telemedicine (remote) medical and mental health visits (via Skype, FaceTime, telephone, etc). This will allow for necessary appointments while plan members shelter in place. The MUS Benefits Plan will also be allowing rehabilitative visits via telemedicine (remote) while members shelter in place. Allowed telemedicine rehabilitative visits will include physical, speech, and occupational therapies. Cardiac, respiratory, pulmonary, and massage therapies, chiropractic, and acupuncture are excluded from this telemedicine benefit. Regular medical plan benefits will apply to these services (deductible, copay, or coinsurance and benefit maximums). This short term benefit due to the COVID-19 pandemic will be available through 4/30/20. This deadline will be re-evaluated and may be extended if deemed appropriate.
Dependent Care Flexible Spending Accounts (FSA)
Employees who elected Dependent Care FSAs may make a mid-year benefit changes to their Dependent Care election for future paychecks (due to the closure of day care facilities, for example). To do this, they can log into the online enrollment system, accessed at the Choices website, and make this mid-year change. (Julie has reached out to all the people who have elected this benefit, so they should be aware of it already.)
The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) contains important provisions that affect Health FSAs. The new provisions allow Over-the-counter drugs and medicines to be paid for or reimbursed through an FSA without a doctor’s prescription. Menstrual care products are now considered a qualified medical expense and are eligible for payment or reimbursement through an FSA. All expenses incurred after December 31, 2019 qualify, and the provision has no expiration date.