If you are experiencing life-threatening symptoms call 911.

• What is COVID-19?
• What are the symptoms?
• How is COVID-19 transmitted?
• How can you reduce the risk of getting COVID-19?
• What if I am experiencing symptoms?
• Does Total Health Care cover COVID-19 screening?
• Does Total Health Care cover COVID-19 testing?
• Does Total Health Care cover COVID-19 treatment?
• Is testing covered for all plans?
• What if I am out of state?
• What if I’m out of the country?

On March 10, the first confirmed cases of COVID-19 in Michigan were announced and Governor Whitmer declared a state of emergency to maximize efforts to slow the spread. For more information about COVID-19, visit our information page, or the Centers for Disease Control and Prevention at cdc.gov.

Things to know about COVID-19

What is COVID-19?

According to the Centers for Disease Control and Prevention (CDC), Coronavirus disease 2019 (COVID-19) is a respiratory illness that can spread from person to person. The virus that causes COVID-19 is a novel coronavirus, or SARS-CoV-2, that was first identified during an investigation into an outbreak in Wuhan, China. This flu-like virus is very serious, with confirmed cases and deaths in the U.S. rising.

Total Health Care continues to monitor the CDC’s recommendations and work with the Michigan State Health Department and Department of Health and Human Services to ensure appropriate information is obtained and shared with our members.

What are the symptoms?

As the concern for COVID-19 continues to grow, it’s important to know the symptoms involved:

  • Fever
  • Cough
  • Shortness of breath

Similar to influenza, people at a serious risk for developing severe COVID-19 symptoms are those who suffer from chronic disease and weakened immune systems. Older demographics are also at a more serious risk.

How is COVID-19 transmitted?

The virus is thought to spread from person-to-person through respiratory droplets produced when an infected person coughs or sneezes.

How can you reduce the risk of getting COVID-19?

The best way to prevent becoming ill is to avoid being exposed to the virus in the first place.

To reduce the risk, health experts recommend taking the following everyday precautions:

  • Wash hands frequently with soap and water for 20 seconds minimum.
  • Clean and disinfect any surfaces you frequently touch (like your phone).
  • When sneezing or coughing, always cover your nose and mouth with a tissue, then throw the tissue away and wash your hands.
  • Stay home if you are feeling sick (cough, fever, trouble breathing).
  • Avoid close contact of any kind with sick individuals.
  • Avoid touching your eyes, nose and mouth.

You can find more information on the CDC prevention webpage.

What if I am experiencing symptoms?

Right now, it is up to state and local health departments to decide which individuals receive COVID-19 tests. If you have symptoms, you must first consult with a physician (a virtual visit can qualify as a screening). Your physician can then help you understand if you qualify for testing and how to proceed.

Use virtual care for screening

We encourage our members to use virtual care if they have any symptoms to avoid overwhelming health care providers and help reduce the risk of spreading or contracting the illness during an emergency room or physician’s office visit.

Check with your doctor’s office to see if they offer virtual care.

Testing

As mentioned, your physician will help you understand how to receive testing for COVID-19. You cannot request a test without a screening at this time. Testing for COVID-19 needs to be ordered by a doctor or other health care provider and must be deemed medically necessary. Testing is currently handled by state and local health departments.

Does Total Health Care cover the following COVID-19 services?

COVID-19 Screening

Screening is defined as a series of questions a medical professional uses to determine if a COVID-19 test is appropriate.

We encourage our members to use virtual care if they have any symptoms to avoid overwhelming health care providers and to help reduce the risk of spreading or contracting the illness during an emergency room or physician’s office visit.

Check with your doctor’s office to see if they offer virtual care.

  • Co-pays and deductibles waived if your screening results in your doctor ordering or administering a COVID-19 test.
  • Above is true for out of state as well.

COVID-19 Testing: Fully covered

Your physician will help you understand how to receive testing for COVID-19. You cannot request a test without a screening at this time. Testing for COVID-19 needs to be ordered by a doctor or other health care provider and must be deemed medically necessary.

  • Co-pays and deductibles are waived for COVID-19 tests deemed medically necessary by a doctor. This means there is no member cost (copays, deductibles, coinsurance) for diagnostic testing of COVID-19.
  • Once a doctor has deemed the service medically necessary, we will not require a Prior Authorization.

COVID-19 Treatment In-Network Providers: Fully covered

Effective March 1, 2020, Total Health Care’s Commercial, Individual and Medicaid plans can get the testing and treatment they need for COVID-19 at in-network providers with no out-of-pocket costs.

  • This means we will be waiving any copays, deductibles and coinsurance for the testing and treatment of COVID-19 through June 30, 2020.
  • Covered treatment may be inpatient or outpatient from an in-network provider.
  • Treatment does not apply to prescriptions. There are no official drug treatments for COVID-19 at this time.

COVID-19 Treatment Out-of-Network Providers: Standard benefit

  • This means standard copays, deductibles and coinsurance applies for inpatient and outpatient treatment from an out-of-network provider.
  • Treatment of COVID-19 does not apply to prescriptions. There are no official drug treatments for COVID-19 at this time.

Is this true for all plans?

The above is true for all members including Commercial, Medicaid and Individual plans.

What if I am traveling out of state?

If you are out of state and need emergency medical assistance related to COVID-19, testing, diagnosis and treatment of COVID-19 will be covered as outlined above.

What if I’m out of the country (OOC)?

  • OOC members are covered for Urgent and Emergency care as stated by their plan.
  • The usual process will apply. If the member seeks care, they may be asked to pay up front.
  • The member should get a detailed receipt and then file a form to get reimbursed from us.
  • Cost-sharing is waived for COVID-19 tests deemed medically necessary by a doctor. This means there is no member cost (copay, deductible, coinsurance) for diagnostic testing of COVID-19.

*Note: Total Health Care Medicaid members do not have any out-of-country benefits and services received outside of the United States cannot be reimbursed.

Expanded access to virtual care

Access to care is challenging because of COVID-19 social distancing for safety. To help our members continue to get care for other conditions, qualified providers can temporarily deliver medical services in a virtual way that have traditionally been in-person only. This means that for some virtual services, copays, deductibles and coinsurance may apply. If you have questions, give us a call and our Customer Service experts will help.