• September 23, 2020

COVID-19 Benefit FAQ

My dentist is only seeing patients for dental emergencies. What is considered a dental emergency?

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As recommended by the American Dental Association, during the COVID-19 pandemic many dentists are only providing emergency dental care. Routine dental care should be rescheduled, such as cleanings, exams for braces, treatment for cavities that are not painful, removal of teeth that are not painful and teeth whitening services.

Call your dentist if you experience any of the following situations, which may be considered a dental emergency.

  • Bleeding that does not stop
  • Painful swelling in or around your mouth
  • Severe tooth or mouth pain
  • Gum infection causing pain or swelling
  • Broken filling causing pain
  • Pain caused by a chipped, broken, or knocked out tooth
  • Braces causing pain to cheeks or gums
  • Post surgery treatment such as stitch removal

Be sure to continue maintaining your good oral hygiene habits by brushing twice a day, drinking plenty of water, limiting sugary foods, eating a balanced diet, avoiding alcohol and tobacco and replacing your toothbrush regularly and/or after any illness.

How can I purchase glasses and contacts now that many vision stores/offices are temporarily closed?

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Full-time employees who elected vision benefits may purchase glasses and contacts online. Superior Vision has two new online partners, Glasses.com and 1 800 Contacts, as well as existing online partner Contacts Direct, who all offer online options for purchasing glasses and contacts.  Visit these websites directly for a seamless integration with vision benefits and automatic claims submission.

Where do I find COVID-19 benefit coverage and cost information for my insurance plan (UHC, BCBS, MEC)?

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COVID-19 related copays, deductibles, and coinsurance (referred to as cost-sharing) may be waived by your UHC or BCBS plan. Details can be found by clicking the link below to your insurance carrier’s COVID-19 page.

United Healthcare (UHC) – Full-time, all states except Michigan

United Healthcare has expanded their access to care, support and resources during this time. For more information about what additional resources are available to all UHC Members, please visit the UHC COVID-19 page. For COVID-19 information that applies directly to your plan login to myuhc.com and once signed in, click the green “See COVID-19 Resources” button at the top of the page. 

BlueCross BlueShield (BCBS) – Full-time, Michigan only

BlueCross BlueShield has created a COVID-19 page on their website to offer information about COVID-19 and coverage related updates. For information regarding your specific plan, login to your account at mybenefitshome.com

For additional COVID-19 information, Sharecare, BCBS’s health and well-being partner, has launched a COVID-19 hub page with up-to-date information in one central location. The AskMD symptom checker now includes a COVID-19 consultation to help you identify risk, symptoms and steps to take based on CDC and WHO guidelines. If you have not already signed up for Sharecare, follow the steps included in this Sharecare flyer to get started today.

Minimum Essential Coverage (MEC) – Part-time 

Please review the MEC COVID-19 flyer which includes general COVID-19 information, along with your options for accessing Teledoc. The MEC plan will cover in-network or out-of-network costs incurred for the diagnosis of COVID-19 including diagnostic testing, provider and facility costs related to COVID-19 diagnosis. For treatment of COVID-19, doctor’s office visits will also be covered.

How do I access Virtual Visits so I can avoid visiting a medical clinic?

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UHC/BCBS Benefits – Full-Time:

Virtual Visits are available to those enrolled in the Company’s health plans. Cost per visit depends on the medical plan you chose during your enrollment. Medical Virtual Visits are FREE for Choice Plus Plan, Options Plan, and PPO Blue Plan participants. Health Saving Plan participants pay less than $60 per visit and HSA dollars can be used. *This fee may be waived by your insurance carrier for COVID-19 related services. 

Virtual Visit Providers are trained and equipped to assess COVID-19, the flu and other minor health issues. Visit the Virtual Visit – Medical page for information about how to register, choose a provider and schedule your virtual visit.

Minimum Essential Coverage (MEC) – Part-Time:

TELEDOC is available to those enrolled in the Company’s MEC health plans. All MEC health plans include FREE, unlimited, 24/7 access to TELEDOC by phone, online video or mobile app. To get started, call 1-800-TELEDOC (835-2362) or visit Teledoc.com/coronavirus.

Can I lower my contribution to my FSA for Dependent Care (DCA) if my child’s daycare or school closes?

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Yes. Your FSA Dependent Care Account (DCA) may be changed to contribute $0.00 for the rest of the year. You will have until March 15, 2021 to spend the funds in your DCA account. Claims having a ‘date of service’ which falls between January 1, 2020 and March 15, 2021 are eligible for reimbursement.

To lower your DCA, contact the Benefits Team.

For claims filing support, contact Discovery Benefits at 866-451-3399.

What emotional support/mental health resources are available during the COVID-19 pandemic?

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Resources are available to all our employees who may be dealing with stress, anxiety or other overwhelming feelings during this crisis. Please visit our Support Programs and Services page for information on how to access these helpful resources. 

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