COVID-19 Updates for employers
COVID-19 benefit information
Security Health Plan will cover many testing, testing-related and treatment services related with COVID-19. Different plan types are listed in the left column of the table below. You can see what benefits are included with the plan or plans you offer your employees. If you have employees with additional questions please have them call the number on the back of their ID card or our general Customer Service line at 1-800-472-2363. You may also share this link with your employees to outline their benefit information: www.securityhealth.org/covid19/members.
Security Health Plan members who need to get care from an out-of-network provider during the COVID-19 health emergency should contact a Security Health Plan Nurse Navigator at 1-800-472-2363.
|Active COVID-19 testing and testing-related services||Serological or antibody testing and testing-related services||Inpatient and observation treatment related to COVID-19||Out-of-network coverage||Telehealth|
|Large employer group||Covered at 100%||Covered at 100%||Covered at 100%||If a network provider is not available due to the COVID-19 emergency, COVID-19 services, supplies and treatment by out-of-network providers will be covered the same as in network.||An expanded list of services* may be provided via telehealth and will be subject to the same copay or coinsurance as if the visit were in office. Includes free, unlimited coverage for Care My Way services|
|Small employer group||Covered at 100%||Covered at 100%||Covered at 100%||If a network provider is not available due to the COVID-19 emergency, COVID-19 services, supplies and treatment by out-of-network providers will be covered the same as in network.||An expanded list of services* may be provided via telehealth and will be subject to the same copay or coinsurance as if the visit were in office. Includes free, unlimited coverage for Care My Way services|
|Marshfield Clinic Health System employees (self-funded non-governmental employer)||Covered at 100%||Covered at 100%||Covered at 100%||Please call Security Administrative Services at 1-800-570-8760 for details.||An expanded list of services* may be provided via telehealth and will be subject to the same copay or coinsurance as if the visit were in office. Includes free, unlimited coverage for Care My Way services|
|Marshfield Clinic Health System-Beaver Dam employees (self-funded non-governmental employer)||Covered at 100%||Covered at 100%||Covered at 100%||Please call Security Administrative Services at 1-800-570-8760 for details.|
|Governmental self-funded groups||Covered at 100%||Covered at 100%||Please call Security Administrative Services at 1-800-570-8760 for details.||If a network provider is not available due to the COVID-19 emergency, COVID-19 services, supplies and treatment by out-of-network providers will be covered the same as in network.||Please call Security Administrative Services at 1-800-570-8760 for details.|
|Non governmental self-funded groups||Covered at 100%||Covered at 100%||Please call Security Administrative Services at 1-800-570-8760 for details.||Please call Security Administrative Services at 1-800-570-8760 for details.||Please call Security Administrative Services at 1-800-570-8760 for details.|
*The expanded list of services available via telehealth includes, but is not limited to behavioral health, office visits/consultations, care management and outpatient therapy.
COVID-19 Helpline now available
Premium payments are subject to our current non-payment policy.
Families First Coronavirus Response Act: Employee Paid Leave Rights
Department of Labor resource link: https://www.dol.gov/agencies/whd/pandemic/
- Assistance available to employers with 500 employees or less.
- Provides tax credits for the cost of providing paid sick or family leave related to COVID-19.
- Effective through Dec. 31, 2020
- The link above includes eligibility, fact sheets and other resources that can help employers take advantage of this Act.
Furloughs and Layoff Policies
Security Health Plan will allow for adjustments to your employee eligibility and termination policy during the COVID-19 pandemic.
Your employer handbook defines who is eligible for benefits. Security Health Plan will follow what is in the Group Insurance Policy and employer handbook. If you would like to make changes to your policies, you will need to consider the following and present us with an amendment to your handbook.
Eligibility and termination guidelines during a pandemic:
- You are encouraged to review your benefit-eligible employee definition:
- Full-time status with the numbers of hours required to be benefits eligible
- Please note Security Health will not allow current ineligible classes to be added for coverage without a qualifying event. COVID-19 has not been deemed a qualifying event at this time.
- You may add a clause for furlough. For example:
- During furlough with intent to reinstate, we will continue health benefits for “X” days as long as you pay your employee portion to the employer. After “X” number of days, your benefits will be terminated and you will be eligible for COBRA, state continuation or marketplace coverage. Some employees may even qualify for Medicaid in the state of Wisconsin. x = 60 days or x =90 days.
- Termination coverage:
- During layoff without intent to rehire, you may change the policy to extend the coverage beyond what you currently offer. If you choose to extend coverage for “X” number of days to your employees, upon expiration of benefits a COBRA, State Continuation or Special Enrollment Period for Marketplace coverage would begin.
- You may add a clause for rehires if you choose to waive the standard benefit-eligibility waiting period for a rehired employee who was terminated due to COVID-19.
- Full-time status with the numbers of hours required to be benefits eligible
- Please note, a change to your benefit eligible employee definition will not allow non-covered employees to enroll on your plan unless they have a qualifying event.
Employee Premium Payment During Leave
If eligibility is maintained during a furlough, you may collect the employee’s share of premium to maintain coverage during leave of absence.
Premiums may be collected in one of the following manners:
- Catch-up: Employer may delay employee’s premiums until they return to work. Upon return, the employer starts deducting additional premium to catch up. There are limitations on how much can be deducted from a paycheck at one time. A problem with this method is if an employee does not return after leave collecting their share of premiums may be difficult or impossible. Consult your legal or HR advisor for additional guidance.
- Pre-pay: If you are aware of a planned absence, an employer may pre-collect premiums prior to the leave. If the leave is anticipated to span more than one plan year, the employer cannot pre-collect premiums because of cafeteria rules.
- Pay-as-you-go: During the leave, the employer may require the employee to pay their portion of premium to maintain coverage. Premium collected is on an after-tax basis unless the leave is paid. Collecting premium on a monthly basis is best practice.
Patient Care at Marshfield Clinic Health System
For patient safety and as a precautionary measure for health care workers, Marshfield Clinic Health System patient care is making adjustments for non-essential and elective appointments and procedures. Those patients who will be impacted are being contacted to discuss their needs and either schedule via telehealth or reschedule.
If you or your employees are experiencing symptoms of a fever, cough or shortness of breath, or are concerned that you may have been exposed to COVID-19, please call the 24-hour Nurse Line at 1-800-549-3174 before visiting a doctor’s office, urgent care, hospital or emergency room.
Telehealth available from multiple providers
Many providers have delayed routine, non-emergent appointments, but are now offering telehealth services.
- What is telehealth?
- Telehealth is an appointment with a health care provider done virtually. These appointments are conducted over a secure two-way interactive video connection or telephonically.
- Learn more about telehealth from the Marshfield Clinic Health System at www.marshfieldclinic.org/services/telehealth
- Security Health Plan members may be able to have a doctor visit using telehealth technology. Any services that are covered by Security Health Plan will be covered if done via a virtual visit for any members of Security Health Plan.
- Members are advised to contact their provider’s office to ask if a telehealth appointment is available.
- Care My Way virtual visits continue to be offered for free to most Security Health Plan members.
Marshfield Clinic Health System closures
The Marshfield Clinic Health System website includes a link to facility closures. If you have questions about Marshfield Clinic Health System location closures, go to: https://www.marshfieldclinic.org/patient-resources/covid-19-temporary-location-closings.
Marshfield Clinic Health System Occupational Health, Wellness and Employer Onsite Care Services
We are also taking precautionary measures with our Marshfield Clinic Health System occupational health, wellness and onsite care programs:
We will continue to see employees at Marshfield Clinic Health System clinics for:
1. Audiometry, hearing conversation programs
2. Department of Transportation drug screens
3. Respirator fit testing, PFTs, and medical clearance
4. Mine Safety Health Act physicals (pre-placement, monitoring, and termination physicals), police preplacement, Occupational Safety and Health Administration required medical surveillance program physicals (pre-placement, monitoring, and termination physicals)
5. Certified Driver Medical Examinations
6. Initial Worker’s Compensation visits
7. Worker’s Compensation follow-ups
8. MCHS employees and volunteer Occupational Health services
9. Employer requested drug screens
10. Pre-placement exams
11. Certain onsite wellness programs
We will work with employers to determine if they need onsite services continued at their facilities during this time.
We are postponing new requests for Care My Way @ Work demonstrations and installations until the public health emergency is completed.
The COVID-19 pandemic is a fluid situation, policies and information are changing quickly as we work together to address the health and safety of our communities. We will continue to do our best at reaching out to our partners and our clients as changes are made.
Last updated: Wednesday, May 13, 2020.