UPDATED Nov. 12, 2020

Puede ver una traducción al español de este artículo en nuestra sala de prensa.

At Blue Cross and Blue Shield of Nebraska, our top priority is to ensure the health and safety of our customers. We continue to follow the guidance of local and federal health officials regarding the impact of the coronavirus (COVID-19). Our top priority is to continue to provide quality service to our customers while protecting the health of our employees.

Please see below for important updated information about benefits for COVID-19 testing and treatment, as well as benefits for telehealth services.

Coverage for coronavirus testing and treatment

Blue Cross and Blue Shield of Nebraska is waiving member cost-sharing for in-network testing and related services of COVID-19 from March 1, 2020, through Jan. 20, 2021, for members with medical coverage who present with symptoms or have been exposed to others who have tested positive for COVID-19.

This means those members will pay nothing for medically appropriate in-network testing and related services in a telehealth session, doctor’s office, urgent care facility or emergency room.

This waiver of cost shares applies to all fully insured group and individual health plan members, along with those who receive their insurance through our Medicare Supplement and Medicare Advantage plans. Members enrolled in a self-funded group health plan should check with their employer about their benefits.

Starting Nov. 1, 2020, COVID-19 surveillance testing will not be covered because it is not considered medically appropriate. Surveillance testing is done for non-diagnostic purposes, such as public surveillance or employment, when an individual has no COVID-19 symptoms (is asymptomatic) and has no known exposure to COVID-19.

Starting Jan. 1, 2021, BCBSNE will apply member cost shares to treatment of COVID-19. Self-funded groups that are currently covering treatment of COVID-19 without member cost shares may extend that coverage past Dec. 31, 2020. Employees of self-funded groups should check with their employer to find out about their cost shares.

Coverage for telehealth

Member cost shares will continue to be waived for all in-network telehealth visits directly related to a COVID-19 diagnosis through Dec. 31, 2020.

For all other covered telehealth services, normal plan cost shares once again apply as of July 1, 2020.

We encourage you to reach out to your primary care provider to learn about their telehealth capabilities. You can also register to use services provided by Blue Cross and Blue Shield of Nebraska’s preferred telehealth provider, Amwell. To do so, please follow the instructions found on NebraskaBlue.com/Telehealth.

Coverage for prescription medications

We have extended expiring pharmacy preauthorizations for members with BCBSNE prescription drug coverage. Pharmacy preauthorizations that were to expire prior to May 31, 2020, have been extended 90 days from the original expiration date. BCBSNE will continue to require preauthorization review for members who are newly prescribed a medication that requires preauthorization.

Patients will not be liable for additional charges that stem from obtaining a non-preferred medication if the preferred medication is not available due to shortage or access issues.

Please note that early medication refill limits on 30-day prescription maintenance medications will once again apply beginning June 30, 2020.

Information for members with high deductible health plans

Recent federal legislation allows high deductible health plans linked to an HSA to waive member cost shares for the following without tax penalty:

  • COVID-19 testing, including the office/urgent care/emergency room visit
  • Telehealth (for both COVID-19 and non-COVID-19-related services)

In addition, the legislation allows individuals to use HSA/FSA funds for the purchase of over-the-counter medical products without requiring a doctor’s prescription.

Prevention tips

Currently, a vaccine is not available for COVID-19. CDC recommends the following preventive actions:

  • Maintain proper hygiene:
    Wash your hands frequently with soap and water for at least 20 seconds. Cover your cough or sneeze with a tissue, then throw it away. Disinfect surfaces that are touched often.
  • Limit exposure:
    Stay home if you are sick and avoid close contact with people who are ill.
  • Protect yourself and others:
    Wear a mask and practice social distancing when you are in public spaces.

Resources and information from our local provider partners

Bryan Memorial Hospital: bryanhealth.com/coronavirus
CHI Health: chihealth.com/coronavirus
Children’s Hospital and Medical Center: childrensomaha.org/COVID
Methodist Hospital: bestcare.org/covid-19
Nebraska Medicine: nebraskamed.com/COVID

Frequently asked questions

What is COVID-19?
COVID-19 is a coronavirus first identified during an investigation into an outbreak in Wuhan, China. While other coronavirus strains have sickened people before, this is the first time this strain has been seen in humans.

How does the virus spread?
The first infections of COVID-19 were linked to a live animal market, according to the CDC. The virus now spreads from person-to-person through droplets when an infected person coughs or sneezes. If the droplets are inhaled or land in the mouth or nose of another person, they may become infected.

What are the symptoms?
COVID-19 symptoms include fever, cough and shortness of breath, according to the CDC.

What should I do if I think I have the virus?
Don’t panic. Call your doctor or use telehealth services if you have symptoms and have been in close contact with a person known to have COVID-19 or if you live or have recently traveled to an area with COVID-19 cases.

If you need to go to your doctor’s office, urgent care or the emergency room, it’s important to call ahead, so health care staff can prepare for your arrival and prevent you from accidentally exposing other patients to the virus should you have the disease.

In the event of an emergency, call 911 and tell emergency services that you might have COVID-19.

What should I do to prepare?
You should prepare for a COVID-19 outbreak in Nebraska just like you would for any other emergency. Make a backup plan for work and childcare and keep extra staples, including food and medical supplies, on hand.

Where can I find the most up-to-date information?
For the most up-to-date information about COVID-19, visit the CDC.gov/Coronavirus.

The Nebraska Department of Health and Human Services is keeping track of COVID-19’s impact on Nebraska. Visit DHHS.NE.gov.