The Department of Employee Trust Funds is working with state health officials and health plans participating in the State of Wisconsin Group Health Insurance Program to ensure you receive the care you and/or your covered dependents need during the COVID-19 outbreak.
We will provide updates on group health insurance benefits and coverage related to the COVID-19 outbreak as the situation continues to develop.
Below you will find answers to commonly asked questions about your health benefits in relation to COVID-19.
- Well Wisconsin Health Screenings
- Pre-Tax Savings Accounts
COVID-19 testing is now widely available throughout Wisconsin at health providers and community testing sites.
If you and/or a covered dependent are showing symptoms of COVID-19, you should contact your health care provider by phone and/or use telehealth to discuss your symptoms. According to the Centers for Disease Control and Prevention, symptoms typically appear 2-14 days after exposure and include fever, cough, and shortness of breath.
Members with an It's Your Choice (IYC) High Deductible Health Plan can also receive testing at no cost, following guidance provided by the IRS.
There are two types of tests available, both of which will be covered by your health plan:
- Diagnostic testing - Diagnostic testing will show if you have an active COVID-19 infection. You should seek this test if you are showing symptoms of COVID-19, such as a cough or fever. These tests are available at community testing sites.
- Antibody testing - Antibody testing will show if you have had COVID-19 in the past, even if you are no longer sick. These tests may not be available at community testing sites. For many diseases, having antibodies will prevent you from becoming infected a second time. It is not yet known if COVID-19 antibodies will prevent a second infection. You should continue to take necessary precautions, such as frequent hand washing.
If you and/or a covered dependent are diagnosed with COVID-19, follow your provider’s instructions following diagnosis. Most people isolate at home during their illness and limit contact with others. The current treatment protocol for COVID-19 is the same as the flu, including rest and fluids.
If you and/or a covered dependent require hospitalization because of COVID-19, treatment will be covered the same as it would for any other hospitalization.
The public health emergency declaration has the following impacts on the pharmacy benefit:
- Removes the “refill too soon” (RTS) edits. Members will now be able to get medication refills sooner than they normally would.
- As of April 1, 2020, the RTS edits do not apply to Schedule II controlled substances, such as opioids.
- Other claims processing edits will still apply. These include quantity limits, as well as prior authorization and step-therapy requirements.
- Allows for the maximum extended day supply (90 days) of a medication at the time of refill.
Members are encouraged to have at least a 30-day supply of prescription medications and frequently used health supplies, like allergy medications.
- Talk with your provider or pharmacist about getting a 90-day supply of your medications at your refill.
- You may also consider utilizing ServeYou Rx, the mail-order pharmacy available through Navitus, the State of Wisconsin Group Health Insurance Program pharmacy benefit manager, to have a 90-day supply delivered to your home. 90-day prescriptions filled through ServeYou are only subject to two copays instead of the usual three.
Navitus is monitoring for current and any future nationwide drug shortages and pharmacy supply chain issues due to COVID-19. They will work with members and pharmacies to make sure needed medications are available for members.
Most health plans offer telehealth services to diagnose and treat common illnesses or conditions. Telehealth is ideal if you have a common illness and wish to limit your interaction with others during the COVID-19 outbreak.
Not only is telehealth fast and affordable, it’s available to most members without any out of pocket costs. The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) allows for telehealth servies to be covered under a High Deductible Health Plan (HDHP) before the deductible is met for plan years 2020 and 2021. For more information, see Telehealth Options.
Many health plans also offer a 24-hour Nurseline. A Nurseline may be useful to determine what type of care is most appropriate for your symptoms. For more information, see Health Plan Contact Information.
Additional Health Screening Options for 2020
The Group Insurance Board recently approved changing the health screening to a health check and added options for participants to fulfill the Well Wisconsin program activities to earn the $150 incentive. In addition to completing the health assessment questionnaire and well-being activity, participants may choose one of the following by the October 9, 2020 deadline:
- Biometric screening: Click “SCHEDULE NOW” on the Quest Diagnostics slider on the wellwisconsin.staywell.com homepage to get started. There are two options:
- At-home test kit (NEW): Request a kit by registering and clicking “Order Materials” by September 25, 2020.
- Onsite screening event: Attend an employer-hosted event by clicking “Make an Appointment” to register. See additional considerations in the Biometric Health Screenings section below.
- Health Care Provider Form: The fillable form can be completed using the most recent data found in the individual’s electronic medical record. There is no date limitation for this option so long as the individual can certify they are up to date on their physician’s care recommendations.
- Dental cleaning (NEW): Receive credit for completing a routine dental cleaning visit between January 1 – September 25, 2020.
- One coaching call (NEW): Complete one call with a StayWell health coach by calling 800-821-6591 to make an appointment, or schedule a video meeting on wellwisconsin.staywell.com or on the My StayWell app.
Biometric Health Screenings
Onsite biometric health screenings have resumed at some limited employer locations with enhanced safety precautions including:
- Participants are encouraged to wear masks to their appointment
- Screening providers will wear masks and gloves from the time of arrival through the event
- The screening room will be limited to 10 people at a time
- Screening providers will cleanse and sanitize supplies before and during the event, including high touch items between participants
- Screening providers will have temperature checks prior to the event. If the screening provider has a temperature above 100.4°F, they will not work the event
- All tables must be 8 to 10 feet apart in the screening room
- Spaces will be marked on the floor to ensure participants social distance while they wait
You may log into the StayWell wellness portal to confirm if you have an upcoming appointment by going to the “Quest Diagnostics” slide in the center of your homepage and clicking on “Schedule now.” If your employer cancels the event, you will be notified via email from StayWell.
Pre-Tax Savings Accounts
HSA and Health Care FSA Eligible Expense Changes
Eligible expenses for Health Savings Accounts (HSA) and Health Care Flexible Spending Accounts (FSA) were permanently changed by the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) to allow the following items to be reimbursed pre-tax:
- Over-the-counter drugs and medicines not prescribed by a doctor (aspirin, cough medicine, decongestants, etc.)
- Menstrual care products (pads, liners, tampons, etc.)
These eligible expense changes are retroactive effective January 1, 2020. ConnectYourCare has updated their resources, including the searchable list of eligible expenses, and debit card settings to reflect these changes. Major retailers are still working to implement changes to their sales systems.
- If you purchase OTC medications and menstrual care products in the near future, you will likely need to submit a reimbursement request.
- Retroactive reimbursement requests must be submitted manually via the member portal or mobile app.
Dependent Day Care Account Elections
The IRS released new guidelines regarding Dependent Day Care Account election changes in response to the COVID-19 outbreak. You may be eligible to increase or decrease your 2020 election if you experience one of the following election change events:
- Change of daycare provider
- Cost of care changes (unless care provider is a relative)
- Need for care changes due to a job change or change of work hours
- Qualifying life event
You have 30 days from the date of the election change event to submit an Election Change Request Form. Please contact your employer payroll and benefits office for more information on how to request an election change.
Parking and Transit Account Elections
If you are enrolled in a Parking Account or Transit Account with ConnectYourCare, you can make an election change at any time during the plan year . Simply complete an Election Change Request Form and submit it to your payroll and benefits office. Your election change will be effective on the first day of the month following the submission of your election change request.
If you have parking ramp deductions taken directly by the State or your employer, please consult with your employer regarding their deduction policy and any election change options available to you.
You can learn more about COVID-19 from the Centers for Disease Control and Prevention, World Health Organization, or Wisconsin Department of Health Services. You may also receive information about COVID-19 from your health plan.
ETF will provide updates on group health insurance benefits and coverage related to the COVID-19 outbreak as the situation continues to develop.