Transcription
The Florida Office of Insurance Regulation (OIR) is committed to assisting consumers andcultivating a market in which insurance products are available, reliable, and affordable. Inpreparation for and in response to COVID-19, OIR has issued the following guidance toinsurers: OIR-20-01M: Communication and Cost Sharing for Health Insurers and Other HealthEntities OIR-20-02M: Early Prescription Refills OIR-20-04M: Leniency on Premium Payments and Other Considerations for All Insurers OIR-20-05M: Coverage for Insurers Writing Workers’ Compensation Coverage OIR-20-06M: Telehealth Services and PBM AuditsPlease see the list of resources below to connect Florida policyholders with assistance beingoffered by insurers in response to COVID-19. To verify coverage or obtain additionalinformation, please contact the insurer directly.Insurance Company21st Century InsuranceCOVID-19 Resources & Informationoffered by the Company-Premium Reduction for AprilPausing CancellationsPremium Payment DeferralAetna/CVS Health-Cost-sharing and Copay WaiversTelemedicine OptionsAIG-Travel Insurance FAQsExtending Grace Periods for Life InsuranceAllstate Insurance Company-Auto Insurance Payback Providing 15%Money Back Based on April and May MonthlyPremiumFree Identity Protection-This list of resources is compiled from publicly available information on insurance company websites and is updated asinformation becomes available. Information represents voluntary actions by insurers. Revised 08/24/2020
-Premium Payment ReliefExtended CoverageAmerican Family Insurance-Auto Insurance Premium Relief PaymentAmica-Penalty Free Grace Period on PremiumsAuto Premium Relief ProgramASI/Progressive-Coverage AssistanceBilling LeniencyAuto-Owners Insurance-15% Premium Refund for April and MayPremium Payment FlexibilityAvmed, Inc.-Zero Cost Testing and TreatmentZero Cost Diagnostic TestingNo Specialist Referral RequirementsExpanded Behavioral Health AccessBright Health Insurance Company of Florida-No-cost COVID-19 TestingNon-Emergency TransportationTelehealth CoverageCapital Health Plan-Zero Cost Testing for Members ShowingSymptomsTelehealth Copayments WaivedCentene/Celtic Insurance Company-Member Cost-Sharing WaivedChubb-Premium Payment FlexibilityCigna Dental Health of Florida, Inc.-Premium Reduction of 100% on Prepaid GroupCigna Health and Life Insurance Company-Cost-Sharing WaiverWaiving Costs for TestingA premium credit of at least 10% to all LargeGroup Major Medical policies based on 2020experience. The experience credit will beapplied to each existing policyholder’s billedpremium in April 2021.Citizens Property Insurance Corporation-Premium Payment FlexibilityDelta Dental Insurance Company-Premium reduction of 100% on all individual,group, and prepaid dental for September.Dental for June or July.This list of resources is compiled from publicly available information on insurance company websites and is updated asinformation becomes available. Information represents voluntary actions by insurers. Revised 08/24/2020
Dentegra Insurance Company-Premium reduction of 100% on individual dentalfor September.Esurance-Auto Insurance Payback Providing 15%Money Back Based on April and May MonthlyPremiumAllstate Identity ProtectionPremium Payment FlexibilityExtended Coverage for Commercial DeliveriesFarmers Insurance-Florida BlueFlorida Combined Life Insurance Company, Inc.Policy Discount for Business InsuranceCustomersFarmers Cares Initiative Providing 25%Personal Auto Premium Discount for AprilPausing CancellationsPolicy Renewal Flexibility-Waiving Cost Share for Testing andTreatment through August 1- Premium Payment Period extended- No-Cost Access to Teladoc for Most Plans- Expanded Virtual Support to Members- Waiving Cost Share for Behavioral HealthVirtual Visits through August 1- Free Access to Bilingual Behavioral HealthHelpline for all FloridiansFor Commercial Fully Insured Employer GroupHealth Plans:- One-Month Reduction in Premium- Extension of Waiting Period Waiver throughSeptember 30- Lower-Cost Group Plan OptionFor Medicare Advantage Plans:- Expanded No-Cost Access to Primary Careand Behavioral Health Visits through End ofthe Year.For Dental Plans:- One-Month Reduction of 50% forCommercial Fully Insured Employer DentalPlan Premiums- Expanded No-Cost Access to Emergency TeleDentistry through September- 0% Dental Rate Increases through September-Premium reduction of 50% on group dentalfor July.This list of resources is compiled from publicly available information on insurance company websites and is updated asinformation becomes available. Information represents voluntary actions by insurers. Revised 08/24/2020
Geico-GEICO Giveback Providing 15% Credit onAuto InsurancePayment Assistance/Pausing Cancellation-Effective July 1, Option for all Individual and-Enhancing Dental Frequency Limits onPreventative Services to 2 Per Year Instead of1.Effective January 1, 2021, Dental PlanEnhancements for Groups with MaximumRollover Includes 100 Added to EachMembers’ Maximum Rollover Account.(The) Hanover Insurance Company-Premium Payment Flexibility(The) Hartford Insurance-Personal Auto Payback PlanHealth First Health Plans-Waiving All Virtual Visit Copays and CostSharesHumana Insurance Company-Cost-sharing Waivers on Testing and CoveredMedical TreatmentCost-sharing Waivers for Telehealth VisitsCancelling a 3% Premium Increase on GroupDental for June through September.Guardian Life Insurance Company of America-Liberty Insurance Underwriters--Liberty Mutual-Group Dental and Vision Policies to ReceiveEither a Premium Reduction of 100% for FirstMonth or a 2-Year Rate Guarantee.Premium Credit of 15% for all K12 andCollege Students Covered Under MandatoryStudent Accident (MSA) Plans. PremiumCredit will be provided to the school.Premium Credit of 10% for IntercollegiateSports (ICS) Accident Policies Only. PremiumCredit will be provided to the school.-Personal Auto Customer Relief RefundProviding 15% on Two Months of AnnualPremium.Premium Payment FlexibilityMain Street America Group-Auto Relief Payment of 50Mercury Insurance-Premium Payments equal to 15% of OneMonth of the Full-Term PremiumThis list of resources is compiled from publicly available information on insurance company websites and is updated asinformation becomes available. Information represents voluntary actions by insurers. Revised 08/24/2020
-Premium Payment FlexibilityMetropolitan Life Insurance Company-Premium Reduction of 25% on Individual andMolina Healthcare-Molina Coronavirus Chatbot for FAQsWaiving all COVID-19 Related Out-of-PocketExpensesExpanded Telehealth AccessVirtual Urgent Care ServicesOne-Time Auto Premium CreditPremium Payment FlexibilityOscar-COVID-19 Personalized Risk AssessmentProgressive-Personal Auto Premium Credit of 20% onApril and May PremiumsCoverage AssistancePremium Payment FlexibilitySafeco Insurance-Personal Auto Customer Relief RefundPremium Payment FlexibilitySecurity First Insurance-Premium Payment FlexibilitySolstice Benefits, Inc.-Providing Premium Credit of 25% on all Smalland Large Group Prepaid and PPO DentalPolicies for July.State Farm-Auto Insurance Policy Credit of About 25% onAverage for March 20-May 31.Sun Life Assurance Company of Canada-Premium Reduction of 50% on Group Dentalfor July.Travelers-Stay-at-Home Auto Premium Credit ProgramProviding 15% Premium Credit for April andMayPayment FlexibilityNationwide-Group Dental for April and May.United Concordia Insurance Company-Premium Reduction of 50% on Group Dentalfor July.UnitedHealthcare-Premium Relief for May ranging from 5%10% on group medical plans.This list of resources is compiled from publicly available information on insurance company websites and is updated asinformation becomes available. Information represents voluntary actions by insurers. Revised 08/24/2020
USAA-Premium relief for May of 50% on groupdental plans.Suspension of Prior Authorization for PostAcute Care Setting and when a MemberTransfers to a New ProviderExtension of Timely Filing Deadlines forClaimsCost-Share Waived for Testing and TreatmentCost-Share Waived for TelehealthFree 24/7 Emotional Support LineEmotional Support Mobile AppAuto Insurance Premium Credit of 20% onTwo Months PremiumFinancial AssistancePremium Payment FlexibilityPayment Assistance ProgramsThis list of resources is compiled from publicly available information on insurance company websites and is updated asinformation becomes available. Information represents voluntary actions by insurers. Revised 08/24/2020
This list of resources is compiled from publicly available information on insurance company websites and is updated as information becomes available. Information represents voluntary actions by insurers. Revised 08/24/2020. The Florida Office of Insurance Regulation (OIR) is committed to assisting consumers and
