(Updated March 28)

Moda has received questions and concerns about the novel coronavirus (respiratory illness), COVID-19 and would like to keep you informed with the most-up-to-date information as it relates to your health and benefits.

Your benefits

If you have an HSA-eligible High Deductible Health Plan (HDHP)

Under current law, HDHPs are effectively prohibited from covering any medical services not deemed preventive care prior to an enrollee satisfying their deductible, as the taxpayer would be subject to federal income tax penalties. However, the IRS has posted a notice that extends broad relief, allowing pre-deductible coverage of both testing and treatment of COVID-19, as determined by the health plan.

Additional benefits for Oregon medical members on Individual, Employer Group, or Medicare Supplement plans

Cost sharing (e.g. copayments, coinsurance and deductibles) is waived for COVID-19 testing needs, including:

• A telehealth visit to be evaluated for COVID-19 testing
• Provider office visit, urgent care center visit, or emergency room visit to be tested for COVID-19
• COVID-19 lab tests for all testing facilities
• Other testing received during a COVID-19 testing visit, when administered to determine the need for COVID-19 testing

It is applicable to in-network and out-of-network providers, facilities and laboratories

If you have a Medicare Advantage plan

Cost sharing (e.g. copayments and coinsurance) is waived for COVID-19 testing needs, including:

• A telehealth visit to be evaluated for COVID-19 testing
• Provider office visit, urgent care center visit, or emergency room visit to be tested for COVID-19
• COVID-19 lab tests for all testing facilities
• Other testing received during a COVID-19 testing visit, when administered to determine the need for COVID-19 testing

How to protect yourself

According to the Center for Disease Control (CDC), there is currently no vaccine to prevent COVID-19. However, knowing that Coronaviruses are a large family of viruses that usually cause mild respiratory illnesses such as the common cold and flu, everyday preventive actions that help spread respiratory viruses are the first step in protecting yourself and those around you.

• Wash your hands often with soap and water for at least 20 seconds. Use an alcohol-based hand sanitizer that contains at least 60% alcohol if soap and water are not available.
• Avoid touching your eyes, nose, and mouth with unwashed hands.
• Avoid close contact with people who are sick.
• Stay home when you are sick.
• Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
• Clean and disinfect frequently touched objects and surfaces.

These are everyday habits that can help prevent the spread of several viruses. CDC does have specific guidance for travelers.

If you think you are infected

If you are experiencing symptoms of novel coronavirus, such as fever, dry cough or shortness of breath, or believe you have been exposed to COVID-19, we recommend calling your doctor immediately.

In addition to the benefits outlined above, all current Moda benefits apply. They may cover additional care options, such as virtual visits, eDoc (available on myModa) and calls to our Registered Nurse Advice Line (866-321-7580) if you can’t get in to see your PCP.

Additional resources

If you still have questions about COVID-19 and how it could affect you, the CDC has official responses to frequently asked questions on its website.

While there is still relatively little known about COVID-19 and its spread, it is important to arm yourself with information from credible health care sources on the front lines of studying this virus, such as the CDC and the Oregon Health Authority.