Header

Main Content

Article

COVID-19 Actions

The Indiana Department of Insurance (IDOI) continues to issue news and update guidance regarding the actions taken by the IDOI as our state responds to the COVID-19 pandemic. Below are links to current guidance:

Contents

Patient's Compensation Fund (PCF)

IDOI Remote Work

Testing Centers for Licensure of Producers, Adjusters, Etc.

Extension of Licenses

Board Meetings

Bulletin 252

Business Interruption and Insurance

Insurance Coverage for COVID-19 Testing

Consumer Alerts




Patient's Compensation Fund (PCF)

Please note the below temporary PCF submission instructions in effect for the duration of the public health emergency caused by COVID-19 declared on March 6, 2020:

Questions regarding PCF Certificates of Insurance and enrollment requests should continue to be emailed to PCF-COI@idoi.IN.gov

Proposed Complaints, Amended Proposed Complaints, and Petitions for Excess Damages should still be submitted to the PCF via certified or registered mail.




IDOI Remote Work

The majority of IDOI team members are working remotely. While the routine operations of the agency will continue, please note that there may be disruptions or delays in the processing of your requests. Our essential in-office services such as mail and collection of fee payments will still be processed; however, there will be no public access to our offices. Please use email to communicate with our staff whenever possible and scan any documents that need to be processed.




Testing Centers for Licensure of Producers, Adjusters, Etc.

Many of our testing vendors that are contracted to run our licensure tests have temporarily suspended their operations due to COVID-19. The IDOI is working with our vendors to consider testing options and scheduling




Extension of Licenses

All licenses issued by the State which are set to expire in the next 60 days will instead expire on May 22nd. This means that any currently active license will remain active until at least May 22nd.




Board Meetings

The Governor requested that all public meetings not essential to governmental function be suspended or delayed until the public health emergency has ended. In order to comply with that request, IDOI has will cancel all currently scheduled boards through the month of April and future board meetings will be limited to only essential functions. Additionally, the Governor suspended the Open Door Laws under IC 5-14-1.5 to allow for quorums of our boards to be achieved via electronic means. There will still need to be a quorum of members, but none are required to be physically present. 




Bulletin 252

Due to the declaration of a public health emergency throughout the State of Indiana as a result of the coronavirus disease 2019 (“COVID-19”) and the issuance of Governor Holcomb’s Executive Order 20-05, on March 19, 2020, the Indiana Department of Insurance (IDOI) issues this bulletin to assist consumers, businesses, and entities regulated by the IDOI.

Bulletin 252 - COVID-19




Business Interruption and Insurance 

Business interruption insurance coverage may vary depending on the type of policy you have. Policyholders can contact their insurance agents, brokers, or carriers about their business interruption insurance coverage. Your policy should list or describe the types of events it covers. Events that are not listed on, or not described in, the policy are typically not covered. It is important to review the policy exclusions, coverage limits, and applicable deductibles. 

If you have any questions after contacting your carrier, agent, or broker, you can contact the Indiana Department of Insurance by calling 1-800-622-4461 or emailing consumerservices@idoi.in.gov. The Department has information for consumers available on its website at: www.in.gov/idoi/3109.htm.

The Indiana Economic Development Corporation (IEDC) also continues to support businesses in partnership with local and regional organizations across the state. Resources may be found on the IEDC Business Resource Center website: www.iedc.in.gov/response. For the latest information on tracking the COVID-19 pandemic in Indiana, visit the Indiana State Department of Health website at: www.coronavirus.in.gov.




Insurance Coverage for COVID-19 Testing

Due to the COVID-19 pandemic, the Indiana Department of Insurance (“IDOI”) contacted 14 insurance companies to determine whether cost-sharing requirements are applicable to the testing of COVID-19. Such insurance companies cover approximately 99.93% of Hoosiers enrolled in a fully insured plan.

The table below outlines specific actions that insurance companies are taking in regards to COVID-19 for their members. Such actions do not apply to indemnity, short term medical, or other non-major medical plans as well as self-funded plans. If you are covered by one of these plans, please contact your insurance company for questions about your health coverage for COVID-19. If you are covered by a self-funded plan, please contact your employer for questions about your health coverage for COVID-19.

Company Name

Actions for COVID-19 Tests

Telemedicine Phone #

Pharmacy Phone #

Aetna Health Inc.

Cost-sharing waived for all COVID-19 diagnostic testing at approved locations in accordance with CDC guidelines.

TeleDoc (855) 835-2362

Nurses   (800) 556-1555

Crisis Q&A (833) 327-2386

(833) 327-2386

Contact Local CVS

Aetna Life Insurance Co.

Cost-sharing waived for all COVID-19 diagnostic testing at approved locations in accordance with CDC guidelines.

TeleDoc (855) 835-2362

Nurses   (800) 556-1555

Crisis Q&A (833) 327-2386

(833) 327-2386

Local CVS

All Savers Insurance Co.

Cost-sharing waived for all COVID-19 diagnostic testing at approved locations in accordance with CDC guidelines.

Please see the back of your insurance card.

Please see the back of your insurance card.

Anthem Insurance Co. Inc.

Cost-sharing waived for all COVID-19 diagnostic testing when medically necessary.

(877) 875-1223

(833) 280-7485

CareSource of Indiana

Cost-sharing waived for all COVID-19 diagnostic testing at approved locations in accordance with CDC guidelines.

 

(877) 806-9284

 

(877) 806-9284

Cigna Health & Life Insurance Co.

Cost-sharing waived for all COVID-19 diagnostic testing when medically necessary.

MDLIVE (888) 726-3171

Amwell (855) 667-9722

Crisis Q&A (866) 912-1687

(800) 282-2881

(877) 222-7336

Golden Rule Insurance Co.

Cost-sharing waived for all COVID-19 diagnostic testing at approved locations in accordance with CDC guidelines, including those for short-term major medical plans.

Please see the back of your insurance card.

Please see the back of your insurance card.

Humana Insurance Co.

Cost-sharing waived for all COVID-19 diagnostic testing at approved locations in accordance with CDC guidelines.

Medicare (800) 457-4708

Medicaid (800) 477-3311

Dental/Vision (877) 877-1051

(800) 448-6262

Indiana University Health Plans Inc.

Cost-sharing waived for all COVID-19 diagnostic testing when medically necessary.

(866) 895-5828

(844) 432-0704

MHS/Ambetter

Cost-sharing waived for all COVID-19 diagnostic testing when medically necessary.

(877) 687-1182

(800) 743-3333

Physicians Health Plan of Northern Indiana Inc.

Cost-sharing waived for all COVID-19 diagnostic testing when medically necessary.

Register (844) DOC-24HR

(800) 982-6257 Option 11

(800) 982-6257 Option 14

Southeastern Indiana Health Organization Inc.

Cost-sharing waived for all COVID-19 diagnostic testing at in-network locations when medically necessary.

(800) 835-2362

(800) 378-0716

UnitedHealthcare Insurance Co.

Cost-sharing waived for all COVID-19 diagnostic testing at approved locations in accordance with CDC guidelines.

Please see the back of your insurance card.

Please see the back of your insurance card.

UnitedHealthcare Life Insurance Co.

Cost-sharing waived for all COVID-19 diagnostic testing at approved locations in accordance with CDC guidelines.

Please see the back of your insurance card.

Please see the back of your insurance card.




Consumer Alerts

Beware of Fraud Schemes Related to COVID-19

Indianapolis – The Indiana Department of Insurance is alerting Hoosiers to be aware of scammers during the COVID-19 pandemic. A warning was issued by the U.S. Department of Health and Human Services Office of Inspector General regarding scams by fraudsters who are offering COVID-19 tests to Medicare beneficiaries in exchange for personal details, including Medicare information. These services are unapproved and illegitimate.

Fraudsters are targeting beneficiaries in a number of ways, including telemarketing calls, social media platforms, and door-to-door visits. They are using the coronavirus pandemic to benefit themselves, and beneficiaries face potential harm. The personal information collected can be used to fraudulently bill Federal health care programs and commit medical identity theft. If Medicare or Medicaid denies the claim for an unapproved test, the beneficiary could be responsible for the cost.

Protect Yourself

  • Beneficiaries should be cautious of unsolicited requests for their Medicare or Medicaid numbers.
  • Be suspicious of any unexpected calls or visitors offering COVID-19 tests or supplies. If your personal information is compromised, it may be used in other fraud schemes.
  • Ignore offers or advertisements for COVID-19 testing or treatments on social media sites.
  • A physician or other trusted healthcare provider should assess your condition and approve any requests for COVID-19 testing.
  • If you suspect COVID-19 fraud, contact National Center for Disaster Fraud Hotline (866) 720-5721 or disaster@leo.gov

Contact SHIP with Your Medicare Questions
The State Health Insurance Assistance Program (SHIP) is a free and impartial counseling program for people with Medicare. SHIP is provided by the Indiana Department of Insurance. All of SHIP’s services are free and are not affiliated with any insurance company or agency. SHIP counselors have completed intensive training to offer you objective assistance in complete confidence. To contact a counselor, call 1-800-452-4800. For the TDD line for the hearing impaired, call 866-846-0139.