Independence Blue Cross (Independence) is committed to ensuring that our members have access to the care they need, at the right time, and in the right setting. As coronavirus (COVID-19) has escalated into a serious global health threat, we are working to make sure that our members can receive appropriate testing and treatment for this virus if needed.
We encourage all Independence members to visit ibx.com regularly for the latest news and updates. We will continue to evaluate member needs as the situation changes.
Independence to Cover and Waive Cost-Sharing for Covid-19 Testing
Independence will cover and waive cost-sharing (such as co-pays and coinsurance) for the COVID-19 test when performed at a hospital or an approved laboratory. This includes members enrolled in our fully insured plans, employer-sponsored plans, Medicare Advantage and the individual and family plans available through the Affordable Care Act. Self-funded plans will be able to opt-out of this program.
Given that the test is new and specific billing codes for commercially available tests were only recently designated, members should report any concerns about claim payment to our customer service staff at the number on their member card. At this time, the Centers for Disease Control and Prevention (CDC) and state labs currently performing the testing are not billing for COVID-19 testing, so members should not incur costs when tested by these labs.
If members have any questions about whether they should be tested, they should contact a health care professional who will work with the state public health department in the member’s state and the CDC to determine if they need to be tested for COVID-19.
At this time, there is no specific antiviral treatment or vaccine for COVID-19. Members should receive care from their doctor to help relieve symptoms as they would other viral respiratory infections. Independence continues to cover medically necessary health care costs to treat infectious diseases, including COVID-19, based on the terms of the member’s insurance plan.
If our members would like information about specific symptoms they are experiencing or have questions about their personal health, we recommend that they contact their doctor. For reliable information about the coronavirus disease (COVID-19), we suggest visiting the CDC website at cdc.gov/coronavirus.
Should members be using telemedicine?
To help reduce potential exposure, Independence encourages members to utilize telemedicine services if they are available as part of a member’s plan. To support use of these services, Independence will waive co-pays for telemedicine visits for the next 90 days. To access telemedicine options, members should login to our member website at ibx.com.
Will Independence waive prescription drug refill limits?
Independence has lifted prescription refill restrictions, such as the “refill too soon” limit, for members in states that have declared a state of emergency because of the virus.
We are carefully monitoring COVID-19 developments and will make adjustments to policies as appropriate. We recommend that members call the Pharmacy Services number on their ID cards as needed if they require additional medication refills due to a potential quarantine situation.
Will Independence cover hospital quarantine stays for members returning from travel to affected countries?
Members who are in a healthcare facility and or quarantined in their home will have medically necessary services covered under the terms of their insurance plan.
Furthermore, if your insurance plans are not belonging to IBX. The other insurance careers also have similar policy for preventing Coronavius spread.
Capital Blue Insurance: Customer service will be available for 24/7. If customers have any questions about their insurance plan or whether their insurance policies include the coverage of the Coronavirus test or not. Please contact us and our representatives will assist you based on your insurance policy.
More information: https://www.capbluecross.com/wps/portal/cap
UPMC Insurance: Customer service will be available for consulting. If you are concerning if your insurance policy will cover your Coronavirus test fee or not. Please contact us and know more information.
More information: https://www.upmchealthplan.com
Oscar Insurance: Oscar Insurance company will provide customers the telemedicine service, log in your accounts and make an appointment with doctors will get at least 15 minute consulting service. If you want to know more about the latest Coronavirus information and how to prevent the possibility of Coronavirus damage, do not hesitate to contact us. Moreover, Oscar will cover the total cost for Coronavirus expenses.
More information: https://www.hioscar.com
Bright Insurance: We assure that the cost of Coronavirus test will be affordable for customers, and we promise that Bright Insurance company will cover your total cost of Coronavirus test if you need.
More Information: https://brighthealthplan.com
Highmark Insurance: Highmark Insurance will cover your 100% of total expense for Coronavirus test if your primary care physician advises you to do a test. As well, Highmark Insurance will have suitable coverage for your health situation if you are traveling.
More Information: https://www.highmarkbcbs.com