What you need to know about COVID-19
Coronavirus Disease 2019 (COVID-19) is a new disease that causes respiratory illness in people and can spread from person to person. People of all ages can be infected. 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. Many details about this disease are still unknown, such as treatment options, how the virus works, and the total impact of the illness.
What is the coronavirus?
COVID-19 is a respiratory disease that is caused by a new virus called a coronavirus, which has become a public health emergency. The number of cases continue to increase nationally and globally.
What are the symptoms?
The symptoms of coronavirus include mild to severe respiratory symptoms. Symptoms include fever, cough, and shortness of breath, and lower respiratory illness. COVID-19 can be contagious before a person begins showing symptoms.
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.
Protect yourself and your community.
We all have a role to play in protecting our communities and families from the spread of coronavirus. It is similar to other communicable viruses. You can also follow these tips to prevent infection:
- Wash your hands thoroughly and frequently. Use soap and water for at least 20 seconds.
- Use an alcohol-based hand sanitizing rub (must contain at least 60 percent alcohol).
- Cover your mouth when you cough or sneeze by coughing/sneezing into your elbow.
- Use a face mask in public places like grocery stores.
- Promptly dispose of tissues in a wastebasket after use.
- Clean public surfaces thoroughly.
- Stay home when you are sick.
- Avoid shaking hands.
- Avoid close contact with people who are sick.
- Get a flu vaccine.
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 health care 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 health care 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
New Jersey has created community-based testing sites. This is to increase accessibility to healthcare for individuals with coronavirus symptoms.
If you are unsure if you have been exposed to or 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.
How will the pandemic affect my dental services?
Liberty Dental provides dental service information and updates regarding the Coronavirus (COVID-19) pandemic. Liberty Dental may be reached at their toll free member hotline: 888-703-6999, 1-888-352-7924 (TTY 1-800-735-2929) or online at Liberty Dental Plan.
Are there strategies for coping with the COVID-19 outbreak?
Worry and anxiety can rise about the spread of COVID-19. Concern for friends and family who live in places where COVID-19 is spreading or the progression of the disease is natural.
- 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
COVID-19 Resources for Pregnant women:
- Pregnancy and Breastfeeding: If You Are Pregnant, Breastfeeding or Caring for Young Children
- How to keep your breast pump kit clean: Breast Pump Hygiene
For more information, including travel advisories, please visit cdc.gov.
