USHL Continues to Help Clients During This Difficult Time
As an essential business, US Health and Life (USHL) is committed to serving our clients during this challenging time, even with Michigan’s governor issuing a Stay Home, Stay Safe directive on Monday, March 23. We have moved our associates to remote operations for their safety and well‐being while maintaining our full operations as part of our business continuity plans. We continue to pay claims and perform call center operations and work on billing and enrollment changes.
More details on our continuing operations during the COVID‐19 are available to read here.
Enhancements to Member Coverage
Effective March 15, 2020, for a period of 90 days through June 12, 2020 (subject to review), USHL is waiving all deductibles, copays, member cost‐sharing and prior authorization requirements for COVID‐ 19 diagnostic testing related to the worldwide outbreak of the novel coronavirus disease.
Also, USHL is waiving all out‐of‐pocket costs for members who receive inpatient treatment for COVID‐19 at in‐network and out‐of‐network locations.
- Visits related to COVID‐19 provided at a physician office, clinic, urgent care or emergency department will be covered at 100%, without member cost‐sharing.
- Laboratory charges directly related to COVID‐19 testing will be covered at 100% with no member cost‐sharing, regardless of whether the testing occurs at a physician’s office, clinic, urgent care or emergency
- For out‐of‐pocket costs related to inpatient treatment, all locations will be regarded as being in‐ network
- Inpatient treatment of COVID‐19 will be covered at 100% without member cost
Charges not related to COVID‐19 treatment, hospitalization or other care will continue to be covered according to the plan documents. Members with questions about their coverage and benefits should refer to plan documents for details and contact customer service with any questions.
No prior authorization for COVID‐19 testing or inpatient admissions
There are no prior authorization requirements for members to receive COVID‐19 testing or for COVID‐19 or suspected COVID‐19 inpatient admissions. For more information about prior authorization, please visit the prior authorization page.
In an effort to help our members avoid exposure to germs, USHL is also allowing 90‐day refills on any necessary medications.
USHL is covering telehealth services, which can also help our members avoid germs.
With telehealth benefits, members can call and receive medical consultations via telephone with their doctors, clinics and other health care providers the same as if members made a visit to a doctor’s office in person.
Telehealth benefits allow members to receive a wider range of medical services remotely, without having to travel to a doctor’s office, clinic, hospital or other medical facilities.
A telehealth “visit” would be covered under the current schedule of benefits – including the benefit changes for COVID‐19 – and a member should consult their current benefits information to learn about what cost‐sharing would apply to the visit.
If a member needs care due to COVID‐19, they should contact their Primary Care Provider (PCP), a clinic or urgent care facility. Members should be encouraged to contact their PCP for care, direction and guidance as not to place an unnecessary burden on emergency department resources.
Preventing the spread of COVID‐19
We all can do our part to help reduce the spread of COVID‐19. Please review and share our ”What can you do to prevent COVID‐19” information.
We are also providing information about steps we as a company are taking to protect members and clients during this pandemic, including what we are doing for avoidance measures, communication and continuation of services to you, our clients, as this document details.
Changes based on IRS guidance
These plan changes have been based upon the Internal Revenue Service (IRS) allowing employers to cover all diagnostic and treatment costs associated with COVID‐19 without meeting an HDHP deductible and without denying plan members’ and employees’ contributions to Health Savings Accounts (HSA).
This information was published by the IRS as Notice 2020‐15, at https://www.irs.gov/pub/irs-drop/n-20-15.pdf