Insights

COVID-19 Insurance Updates


On May 22, 2020, the Division of Insurance issued LH Bulletin No. 2020-03 to life and health insurers and HMOs licensed by the state. The division expressed its expectation that those insurers and HMOs will cover polymerase chain reaction (PCR) tests and antigen tests, which are designed to detect COVID-19, when there is a medical need to provide them. The division also expects them to cover FDA-authorized antibody tests, waive cost-sharing requirements for those tests and process claims for those tests in accordance with federal guidelines. This expectation does not extend to antibody tests that are performed as part of a “return-to-work” program or other efforts not associated with disease diagnosis or treatment.

The division also encourages administrators of self-funded plans to comply with the bulletin.

Employers in the state or whose plans are regulated by the state should be aware of these developments.

LH Bulletin No. 2020-03 »