COVID-19

FBHP RESPONDS TO COVID-19

Important Information for our Members

COVID-19 TESTING AND RELATED SERVICES
 
Beginning February 4, 2020, FBHP members will pay no out-of-pocket costs for approved and authorized COVID-19 testing and test-related office visits. Both the testing and related visit will be paid at 100% for any place of service, including telemedicine visits through June 18, 2020. This applies for any Under 65 coverage you may have with us, and to providers and facilities both in-network and out-of-network.
 
Additionally, for our Under 65 members, we’ve expanded our behavioral health coverage to include telehealthvisits with in-network behavioral health providers. This applies to all visits through June 18, 2020.  Benefits will be provided as currently outlined in the plan policies for behavioral health.
 
For our Medicare Supplement members, the Centers for Medicare and Medicaid Services (CMS) has stated Medicare will cover the lab tests for COVID-19 testing. Beneficiaries will pay no out-of-pocket costs for testing. Please visit Medicare.gov for more information concerning CMS’s response to COVID-19.
  • Please note, telehealth is a type of visit.  Teladoc is a provider of telehealth services. While all Under 65 plan members have access to general medical services via Teladoc, behavioral health services are not currently provided under the Teladoc benefit.


PAYMENT OPTIONS

As a reminder, FBHP has convenient online payment options for paying non-quarterly paper invoices, returned payments and restoration of coverage.  While this does not include quarterly payments, if you are currently paying by this method, this would be a great time to update your billing preference to monthly bank draft.  The form to set up this monthly draft can be found by clicking here
 
At this point FBHP does not foresee any disruption in drafting premiums.  Click here for online payment options.
 
We want our members to know we are here to support them through this challenging time. And we’d like to remind our members about the benefits of your coverage.
 
TELADOC

 If you are enrolled in one of our Individual or Family Plans*, Grandfathered Plans or Short Term Care, your coverage plan includes access to Teladoc. Teladoc gives you access to a U.S. board certified doctor 24/7 via phone call, video chat or mobile app visit.
 
It’s a simple, convenient way to speak with a licensed doctor about your symptoms or health concerns and avoid visiting a busy doctor’s office or hospital emergency room during this outbreak of COVID-19.
 
Call 1-800-Teladoc or visit Teladoc.com to register and/or make an appointment.
 
*$0 consultant fee on all plans except HDHP plans. HDHP plan members are responsible for a $45 consultant fee until calendar year deductible is met. No charge after deductible is met.
 
 
FOR TENNESSEE RESIDENTS
 
The COVID-19 (coronavirus) outbreak is rapidly evolving with a state of national emergency being declared by President Trump on March 13, 2020. Governor Bill Lee declared a state of emergency in Tennessee effective March 12, 2020.
 
For the most current information on COVID-19 cases confirmed in Tennessee or to see cases at a county level, click here.
 
The Tennessee Department of Health (TDH) will continue to work closely with the Center for Disease Control (CDC), other state agencies and metro/regional health departments to protect the people of Tennessee.
 
 
PROTECT YOURSELF
 
  • Wash your hands often with soap and water (or alcohol-based hand rub) for at least 20 seconds, especially after coughing or sneezing.  Do not touch your eyes, nose or mouth with unwashed hands.
  • Stay home when you are sick.
  • Cover your coughs and sneezes with your arm or a tissue.
  • Clean and disinfect objects (i.e. cell phone, computer) and high-touch surfaces regularly.
While 80-85% of those who contract COVID-19 will experience mild or no symptoms, some people are at higher risk of experiencing severe symptoms from this illness. This high-risk group includes older adults and those who have serious medical conditions like heart disease, diabetes or lung disease.
If you are at a higher risk of getting very sick from COVID-19, you should:
  • Stock up on supplies like food, toiletries and medicines.
  • Keep space between yourself and others.
  • When in public, keep away from others who are sick, limit close contact and wash hands often. Avoid crowds as much as possible.
  • Avoid cruise travel and non-essential air travel.
  • During a COVID-19 outbreak in your community, stay home as much as possible to reduce risk of exposure.
 
TRAVEL GUIDELINES
 
  • General returning traveler information: https://www.cdc.gov/coronavirus/2019-ncov/travelers/index.html
  • Returning travelers from Level 3 countries should stay home and monitor their health during travel and for 14 days after returning to the United States.
  • Returning travelers from Level 2 countries should limit contact with others and monitor their health for 14 days after returning to the United States.
 
PREVENTING COMMUNITY SPREAD
 
Learn how to help curtail the spread of COVID-19; click here for more information.  Also, click here to find out more about social distancing and how it can help slow down the spread of COVID-19.Thank you for doing your part to help support public health.
 
 
SYMPTOMS
 
Refer to the helpful comparison chart below to help distinguish between the common cold, the flu and coronavirus.

                            
Symptoms Coronavirus Cold Flu
Fever Common Rare Common
Fatigue Sometimes Sometimes Common
Cough Common (usually dry) Mild Common (usually dry)
Sneezing No Common No
Aches and Pains Sometimes Common Common
Runny or Stuffy Nose Rare Common Sometimes
Sore Throat Sometimes Common Sometimes
Diarrhea Rare No Sometimes for children
Headaches Sometimes Rare Common
Shortness of Breath Sometimes No No
 

TREATMENT
 
If you think you have been exposed to COVID-19 and develop a fever and symptoms (such as a cough or difficulty breathing), call your health care provider.
 
The following symptoms may present 2-14 days after exposure:
  • Fever
  • Cough
  • Shortness of breath

COPING WITH COVID-19
 
Click here for some guidance and helpful steps for coping emotionally with the stress and anxiety being faced by many during these uncertain times.

MORE HELPFUL LINKS
 
Visit sites below for more information on COVID-19 from the federal government, Johns Hopkins University and the World Health Organization:
 
https://www.coronavirus.gov/
 
https://coronavirus.jhu.edu/
 
https://www.who.int/emergencies/diseases/novel-coronavirus-2019

Insured by TRH Health Insurance Company, Columbia, TN. Not connected with or endorsed by the U.S. or state government. This is a solicitation of insurance. A representative of TRH Health Insurance Company may contact you. Benefits not provided for expenses incurred while coverage under the policy is not in force, expenses payable by Medicare, non- Medicare eligible expenses or any Medicare deductible or copayment/coinsurance or other expenses not covered under the policy. ‚Äč

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