Coronavirus and Your Health Insurance

Health Insurance Ensures No Surprise Bills for Coronavirus Testing

Coronavirus Tests Will Be Covered by Health Insurance

With the coronavirus rapidly sweeping the globe, testing is essential. Officials want people to get tested. COVID-19 testing is considered “preventative” with a “Qualified Health Plan”, so there is no co-pay or cost involved. If Nevadan’s are unaware of this particular fact, they may worry about getting a surprise bill for COVID-19 testing, and may not get the test at all. Health insurance CEO’s have collaborated with government officials and vowed that those who have health insurance won’t have to worry about surprise bills for COVID-19 testing. All Co-pays for Coronavirus testing will be waived.

If Nevadan’s are unaware of this particular fact, they may worry about getting a surprise bill for COVID-19 testing, and may not get the test at all.

Health Insurance Companies Waive Co-Pays for COVID-19 Testing

Approximately 240 million Americans have health insurance through private insurance, Medicare or Medicaid. With the number of coronavirus cases growing rapidly throughout the country, lawmakers wanted to get the word out that those who have health insurance will not receive unexpected bills for COVID-19 testing. Health insurance companies also agreed to cover the cost of telemedicine which allows patients to speak with a doctor over the phone. Coverage will be extended for the treatment of COVID-19, but beyond testing (like hospitalization) your deductible and co-insurance will most likely still apply.

Many Americans Are Without Health Insurance

It is an unfortunate fact that about 27.5 million Americans are without health insurance. The government has entertained the possibility of utilizing a federal disaster relief program to reimburse costs incurred to hospitals and other healthcare providers who treat those without health insurance for the coronavirus. Medical bills can add up quickly, meaning many uninsured Americans will delay testing for fear that they will rack up hefty bills. This puts more people at risk of becoming gravely ill or even dying from the novel coronavirus. In addition to the health implications, failure to get tested will allow the virus to spread.

Unexpected Medical Bills Can Result in Bankruptcy

Even individuals who have health insurance can receive unexpected medical bills that can result in bankruptcy. Care that’s provided out-of-network can result in surprise bills that a patient is not prepared to pay. Because health insurance companies are covering all costs associated with COVID-19 testing, this is not a concern if you have health insurance. If you want extra reassurance that your health insurance will cover testing, an experienced health insurance agent can explain your plan in detail.

Prevention Goes A Long Way

Unfortunately, anyone can become infected with COVID-19. Some will experience mild symptoms while the effects on others can be serious and even deadly. If you do become infected, having a good health insurance plan in place will ease the financial burden of paying for the medical care that may be required. It is recommended that every person take the following cautionary steps to stay safe during this time of uncertainty:

• Avoid close contact with those who are sick
• Avoid touching your face with unwashed hands
• Wash your hands for at least 20 seconds with soap and water
• If you’re unable to wash your hands with soap and water, use hand sanitizer with 60 to 95 percent alcohol

Even when you follow all the advice regarding prevention, there’s still a chance you could contract COVID-19. In the unfortunate event that this should happen, it is best to speak with your Nevada Insurance Enrollment health insurance agent to understand your coverage.

Effectively Dealing With Stress During Coronavirus Pandemic

Health Insurance Can Ease the Burden of Dealing with Stress Caused by the Coronavirus Pandemic
The stress and anxiety caused by the coronavirus pandemic is widespread. Many people’s lives have been disrupted indefinitely. Businesses have been forced to close and many regions have ordered people to limit travel and exposure to others. All of this has been done to prevent the further spread of COVID-19. Adherence to these extreme measures, however, will leave many people feeling severe mental anguish. Talking to your Las Vegas, Nevada health insurance agent about your health insurance coverage can help ease the burden of dealing with stress caused by COVID-19.

Utilize Health Insurance to Cope with COVID-19

Some people will have a harder time coping with the stress brought on by the coronavirus pandemic. Particularly, those who are older or have pre-existing conditions that make them susceptible to contracting the coronavirus will be more concerned and experience increased anxiety. Others who are at an increased risk of experiencing stress during the pandemic include:

• Children and teens
• Healthcare workers
• Individuals with mental health issues
• Individuals with substance abuse issues

Health insurance is a vital component in helping combat stress when dealing with a global pandemic. Your health insurance agent can explain your insurance benefits whether it be treatment or medication to reduce stress caused by:

• Disrupted sleep
• Changes in appetite
• Worsening health conditions
• Increased use of alcohol or drugs
• Fear for your health and that of loved ones

Your mental health is just as important as your physical health. A Nevada Insurance Enrollment health insurance agent can explain your options so that you won’t be left in the cold when dealing with stressful situations such as COVID-19.

Activities to Reduce Stress

In addition to utilizing the benefits of health insurance, there are also other ways to deal with stress caused by a catastrophic event such as COVID-19. One of the most effective ways to cope is to take a break from the widespread news coverage of the coronavirus pandemic. You can turn off the television, read a newspaper, or visit a website without news coverage of COVID-19. Repeated exposure can be upsetting, so it is helpful to disconnect from all news sources including social media. You should also take time to exercise or perform some other activity you enjoy. Make time to engage with close friends and express your concerns about the current situation. The most important thing to remember is to take care of yourself during this sensitive time.

Seek Advice From Nevada Insurance Enrollment

Choosing the right health insurance plan can be confusing because there are so many options. Your best bet is to seek the advice of a knowledgeable health insurance agent. They will be able to assist you in finding the right plan that covers COVID-19 testing and other benefits that fits your needs. Consult with a Las Vegas, Nevada health insurance agent to determine which health insurance plan will be most effective in meeting your individual needs.