Coronavirus (COVID-19)

We know that the coronavirus (COVID-19) is on everyone’s mind. On this page, you’ll find resources to help employers, employees, and individuals. We will continue to update these documents to make sure they are as up to date as possible. As always, at Benafica, we believe we’re stronger together—so don’t hesitate to reach out with questions or concerns.

Keep Your Work Place Safe and Healthy

Employer Resources

FAQs

If employee eligibility changes due to hours, furlough or layoff what happens to their coverage?

Employers will have the option to keep currently enrolled employees on their plans as active employees, even when hours are reduced below the average hours worked eligibility requirement or they are furloughed. Insurance carriers are providing flexibility in eligibility definition if premium payments continue as usual. If your group is terminating/laying off employees, COBRA applies.

What are the insurance carrier’s coverage commitments for COVID-19 testing and treatment?

Minnesota’s health plans have agreed to waive costs for treatment of COVID. Minnesotan’s with commercial insurance including individuals, small businesses, and some large businesses are now eligible for the following benefits: expansion of telemedicine visits to include visits from a member’s home, utilization of additional technologies such as FaceTime or Skype, no cost-sharing (copay, coinsurance, and deductible) charges for COVID testing, prior authorization requirements and cost-sharing have been waived for hospitalization related to COVID.

Does the Coronavirus Act (CARES) apply to my business?

There are two types of loans that business owners can take advantage of from the CARES Act. The Paycheck Protection Program and the Economic Injury Disaster Loan. Paycheck protection will enable eligible companies can apply to borrow up to 2.5 times their average eligible monthly payroll costs, up to $10 million, and interest rates on the loans will not exceed 4%. Depending on how much a business borrows and how it uses the funding, all the loan or a portion of it may be forgiven. SBA’s Economic Injury Disaster Loan Program has historically offered disaster relief assistance to businesses, homeowners and renters in specific areas where federally declared disasters occurred. However, due to COVID-19, companies in all 50 states can apply for a disaster loan. They also can receive a $10,000 advance on the loan.

Check out the full FAQ or Download the PDF

Resources for Businesses
Responding to Slowdowns during Coronavirus
Considerations for employers, employees

Minnesota Department of Insurance Response

1. Requests carriers to waive prior authorization for COVID-19 diagnostic tests and covered services that are medically necessary and consistent with Centers for Disease Control and Prevention (CDC) guidance for insureds if diagnosed with COVID
2. Requests carriers to cover medically necessary diagnostic tests that are consistent with CDC guidelines related to COVID-19 at no cost to the insured
3. Requests carriers, where appropriate, to make expedited formulary exceptions

https://mn.gov/mmb/be-ready-mn/infectious-diseases/covid-19.jsp

Holding Special Enrollment Period for Uninsured?

Yes, Gov. Tim Walz announced on Friday a special 30-day MNsure enrollment period for those currently without insurance in the wake of the COVID-19 outbreak.The enrollment period begins Monday, March 23 and will run through April 21.

Unsure if you qualify or need help signing up?
Contact us at 651-259-9000 to discuss your options with a MNSURE certified and licensed insurance advisor.

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