What You Need to Know About COVID-19


Coronavirus Disease 2019 (COVID-19) has become a public health emergency, with an increasing number of cases nationally and globally. COVID-19 is a new disease that causes respiratory illness and other symptoms and spreads from person to person. People of all ages can be infected, and anyone can have mild to severe symptoms. Older adults and people with pre-existing medical conditions like asthma, diabetes, and heart disease may be more likely to become severely ill if infected. Stay informed as new information emerges to better understand how the virus works, the total impact of the illness, and many other factors. Stay up-to-date on the most recent news about Coronavirus (COVID-19).

What are the coronavirus (COVID-19) symptoms?

People with COVID-19 have reported a variety of symptoms, ranging from mild symptoms to severe illness. COVID-19 can be contagious before a person begins showing symptoms. Symptoms may appear 2 to 14 days after exposure to the virus and have included the following:

  • Fever or chills
  • Cough
  • Shortness of breath or difficulty breathing
  • Fatigue
  • Muscle or body aches
  • Headache
  • New loss of taste or smell
  • Sore throat
  • Congestion or runny nose
  • Nausea or vomiting
  • Diarrhea

What else causes similar symptoms?

Influenza (the flu), a contagious respiratory illness caused by the influenza viruses (Type A and Type B), has high activity in the United States at this time. Everyone 6 months of age and older should get a flu vaccine.

I may have symptoms. What do I do?

If you have been exposed or begin showing symptoms of the virus or flu, contact your healthcare provider or health department immediately.

Does my plan cover COVID-19 testing/screening/treatment services?

Yes. When medically necessary diagnostic testing, medical screening services, and/or treatment is ordered and/or referred by a licensed healthcare provider, we will cover the cost of medically necessary COVID-19 tests, screenings, associated physician’s visit(s), and/or treatment. If applicable, your plan’s copayment, coinsurance, and/or deductible cost sharing will be waived for medically necessary COVID-19 diagnostic testing, medical screening services, and/or treatment.

Is prior authorization required for COVID-19 testing, screening services, and/or treatment under my plan coverage?

No. We will not require prior authorization, prior certification, prior notification, and/or step therapy protocols for medically necessary COVID-19 diagnostic testing, medical screening services, and/or treatment when medically necessary services are ordered and/or referred by a licensed healthcare provider.

Where may I receive COVID-19 testing/screening/treatment services under my plan coverage?

Medically necessary COVID-19 diagnostic testing, medical screening services, and/or treatment and the associated physician’s visit will be covered when ordered, referred, and/or performed in the following In-Network locations:

  • Physician’s/Practitioner’s Office
  • Independent Laboratory/Diagnostic Facility
  • Urgent Care Facility
  • Emergency Department Facility

Are you unsure if you have been exposed to or are at-risk of being infected with COVID-19? Schedule a virtual care visit with a provider. It is a good option for non-urgent care to limit potential exposure in a physician’s office or other healthcare facility. 

Will I be responsible for any out-of-pocket costs for COVID-19 testing/screening/treatment services?

No. We will cover medically necessary COVID-19 diagnostic testing, medical screening services, and/or treatment at no charge to you, when such services are ordered and/or referred by a licensed health care provider. If applicable, your plan’s copayment, coinsurance and/or deductible cost-sharing will be waived for medically necessary COVID-19 diagnostic testing, medical screening services and/or treatment, along with the associated physician’s visit.

If I need treatment for coronavirus, is that covered by my plan?

Any medically necessary treatment related to COVID-19 would be considered a covered benefit. We are committed to ensuring access to COVID-19 treatment services in accordance with federal and state law.

Will I be able to refill my prescriptions before the refill date?

Yes, members will be able to refill prescriptions prior to the refill date.

Are there strategies for coping with the COVID-19 pandemic?

  • Take care of your body. Take deep breaths, stretch, or meditate.
  • Connect with others. Share your concerns and how you are feeling with a friend or family member. Maintain healthy relationships and a sense of hope and positive thinking.
  • Share the facts about COVID-19 and the actual risk to others. People who have returned from areas of ongoing spread more than 14 days ago and do not have symptoms of COVID-19 do not put others at risk.
  • For more information, see the CDC’s suggestions for mental health and coping during COVID-19

How can I protect myself and others?

  • Wash your hands often and cover coughs and sneezes.
  • Avoid close contact. Put distance between yourself and other people outside of your home, since some people without symptoms may be able to spread the virus.  Stay at least 6 feet (about 2 arms’ length) from other people.  Keeping distance from others is especially important for people who are at higher risk of getting very sick. 
  • Cover your mouth and nose with a cloth face covering when around others.
  • Wear a cloth face covering when you have to go out in public, for example to the grocery store or to pick up other necessities. (However, cloth face coverings should not be placed on young children under age 2 or anyone who has trouble breathing or is unconscious, incapacitated, or otherwise unable to remove the mask without assistance.) Cloth face coverings are meant to protect other people in case you are infected.
  • Clean and disinfect high-touch surfaces.
  • Monitor your health.