Health Insurance in  California payment for Corona Virus
Testing, Quarantine, Treatment,  
Hospitalization,
enrollment and premium payments
?

Government Programs for Financial Relief

Employer COVID 19 Relief Options

This page never really got much traffic.  We are no longer going to update it.  If you have questions on Insurance & Covid, email us, [email protected] if the answer isn’t here.

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Blue Cross Anthem 10 page Guide  April 2021

Miscellaneous Links

Insurance Company Bulletins on Coronavirus Test & Treatment

Under Health Insurance Coverage

Aetna – CVS

Our Employer Webpage

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Small Group 2 – 100

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No Co Pays or Deductibles for treatment

Search Results for Corona Virus

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Coronavirus Member FAQ
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pdf flyers & FAQ’s – EMAIL US

CA Department of Insurance

All Lines of Insurance

What if I cannot pay my insurance premiums?

Grace Period extended to July 14th!

Requesting a 60-day grace period to pay insurance premiums – On March 18, 2020, the Department issued a Notice requesting all insurance companies provide their policyholders with at least a 60-day grace period to pay their premiums.

Consumers should contact their insurance company if they need additional time to pay their premium.

Cal Choice

CaliforniaChoice COVID-19 FAQs – Download
COVID-19 Additional Resources – Download

Covered CA   pdf

Enrollment is OPEN due to pandemic!

Press Release

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Rate Increase for COVID 19?

The COVID-19 outbreak could cause premiums for individuals and employers to spike from 4% to 40% next year, according to a study from Covered CA!

Treatment costs could also vary dramatically, as they could be roughly $30,000 per admission for COVID-19. That figure is based on Medicare rates and the average length of stay of 12 days, which is a similar length for other respiratory cases such as the flu or pneumonia. Fierce Health Care *

$1.1 million, 181 page hospital bill

$1.3 M Patricia Mason 

Medi – Cal

    • Public Health Crisis or Disaster Reminders for Medi-Cal
    • Access to Care During Public Health Crisis or Disaster for Medi-Cal

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medicare.gov/medicare-coronavirus

Molina 

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No costs for testing

Ask us for 4.10.2020 memo

Our webpage for Molina

Oscar

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Sharp

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Our Webpage on Sutter Individual with more information

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UHC will cover testing

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More info  /covid19

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Testing with No Co-Pays, Deductibles, No Out of Pocket, etc.

 

Californian’s who fit the testing requirements (visit our webpage on Medical Necessity) will receive the test at no charge.  This could be a $1331 expense conservatively Real Clear Politics * Governor Newsom and Insurance Commissioner Lara announced Thursday March 5th. * Los Angeles Times 3.5.2020 *

Criteria for Testing

Do you need the test?

City of Los Angeles – Schedule a Test if you have symptoms or been in contact with an infected person.
Los Angeles Times Steve Lopez 3.24.2020 on what to do if you think you have the virus?
Testing – from swab to result – LA Times 4.1.2020

You may need testing if you have symptoms of infection and have recently traveled to parts of the world where infection rates are high. You may also need testing if you have had close contact with someone who has traveled to one of those areas.

Symptoms of coronavirus infections include:

Symptoms of COVID-19 are usually milder than those of SARS and MERS.
The symptoms of COVID-19 include:

  • Fever
  • Cough
  • Shortness of breath

If you have symptoms and have not traveled to areas where infection rates have been high or been exposed to someone who has, it’s highly unlikely that you have one of these new coronaviruses. You may have another type of virus, such as the flu. The flu is much more common in the United States than the new coronaviruses.

If you test Positive

If your results were positive, it means you probably have a coronavirus infection. There is no specific treatment for these infections, but your health care provider may recommend steps to relieve your symptoms. These include:

Learn more —

cdc.gov/coronavirus/lab-testing

Visit our webpage on Medical Necessity

 

Anthem Blue Cross
COVID Resource Center 

Coverage of COVID 19
Rev 8.2020

11.13.2020 Update  

Anthem Blue Cross FAQ COVID 19

10% premium discount for August 2020

More COVID FAQ's

Email us, if any links require a password

Michael Flor leaves hospital after 62 day stay for COVID 19

$1.1 million, 181 page hospital bill

MORE COVID VIDEOS

 

Steve talks about International Travel Insurance

steve's video on travel insurance

Get Travel Quotes & Information

Government Public Health Agencies

 

Social Service Agencies

Resources available from AARP

Mental Health Treatment

 

Our webpage on Medicare Mental Health

Limitations – Medical Necessity

NAMI on COVID 19 Anxiety, lonely, homelessness, serious Mental Illness

 

Anxiety about the Corona Virus
  • checking several times a day can keep us in an escalated state of anxiety
  • NPR Mental Health & COVID
  • sticking to reliable sources of coronavirus information such as the U.S. Centers for Disease Control and Prevention (CDC).
  • taking reasonable precautions,” safety advice from the CDC,
    • such as frequent handwashing;
    • stay home if you don’t feel well;
    • get enough sleep and
    • take good care of your immune system.
    • “Preparing a plan for the future, such minimizing exposure to large crowds, makes sense and can help reduce anxiety,” UCSF.edu
  • Fear is a normal, necessary evolutionary response to threat – ultimately designed to keep us safe. Whether the threat is emotional, social or physical, this response is dependent on a complex interaction between our primitive “animal brain” (the limbic system) and our sophisticated cognitive brain (the neo-cortex).
  • People with health anxiety, preoccupied with health-related information or physical symptoms, are also at risk of worsening mental health as the virus spreads.
    •  stop checking. For example, avoid looking for signs of illness. You are likely to find unfamiliar physical sensations that are harmless but make you feel anxious. Normal physical changes and sensations pass in time, so if you feel your chest tighten, shift your focus onto pleasurable activities and adopt “watchful waiting” in the meantime.
    • At times of stress and anxiety, hyperventilation and shallow breathing is common. Purposeful, regular breathing can therefore work to reset the fight or flight response and prevent the onset of panic and the unpleasant physical symptoms associated with anxiety. Science Alert. com
  • Psychiatrist’s Guide to Coping with COVID 19  Jennifer Yashari MD
  • help with food, housing, job training, transportation and other social support.   Aunt Bertha to connect individuals and families to social services in their communities. visit Aunt Bertha and enter your ZIP code.

Coronavirus Aid, #Relief, and Economic Security (CARES) Act.

  •  
  • SBA – here you will find information on all COVID-19 related programs that SBA is providing, including the Paycheck Protection Program, Economic Injury Disaster Loans and Emergency Grants, and Small Business Debt Relief.
  • Department of Treasury –  here you will find information on the Paycheck Protection Program, as well as other tax provisions meant to help employers, including non-profits.

Small Biz Owner Guide to the Cares Act

Small Biz Owner Guide to Cares act

 

CARES Act

Summary Provisions

Click to enlarge

cares act summary provisions

Image courtesy of Kitces.com

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