FAQs about My Alliance Health Plan Benefits

1. Does the Health Plan cover COVID-19 testing?

Yes, the Health Plan covers COVID-19 diagnostic testing ordered by your attending health care provider who has determined that the test is medically appropriate for you, without deductible, coinsurance, or copay. Charges for other items and services related to the COVID-19 test (physician or facility fees, other diagnostic testing, etc.) will also be covered without deductible, coinsurance, or copay but, if those items and services are provided by a non-Alliance Direct facility, you may be liable for the difference between the Plan’s allowable charge for those items and services and the provider’s billed charge (known as a “balance bill”). The provision of this coverage without deductible, coinsurance, or copay only applies during the COVID-19 public health emergency.  

 

2. What is the Health Plan's coverage of telemedicine services in response to COVID-19?

Please see the Plan's Telemedicine and COVID-19 policy, which describes the Plan’s processing and reimbursement for telemedicine services during the COVID-19 public health emergency.

 

3. How has COVID-19 affected the rules for Flexible Spending Accounts (FSAs)?

Employees currently enrolled in either the Dependent Care and/or Health Care Flexible Spending Accounts (FSAs) can increase, decrease, or drop coverage for 2020. In addition, employees who did not enroll in FSAs are now eligible to make a mid-year election for 2020. Also, the deadline to claim expenses for 2019 has been extended. For more information, call Member Services at (855) 979-5192.

 

4. What time extensions apply to my benefits as a result of COVID-19?

Due to COVID-19, the federal government has required benefit plans to provide additional time for participants to take certain actions, as follows.

  • The 30-day period (or 60-day period, if applicable) to exercise HIPAA special enrollment rights
  • The 60-day election period for COBRA continuation coverage
  • The date for making COBRA premium payments
  • The date for individuals to notify the plan of a COBRA qualifying event or determination of disability with respect to COBRA coverage
  • The dates by which an individual may (i) file a benefit claim under a plan’s claims procedure, (ii) appeal a claim that has been denied, (iii) request an external review of a denied claim or appeal, or (iv) file information to perfect a request for external review.

Specifically, when determining the deadline for these elections and actions, benefit plans are required to disregard the period from March 1, 2020 to the date that is 60 days after the COVID-19 national emergency declaration expires. For more information about how these extensions may affect your situation, call Member Services.

[Back to Coronavirus (COVID-19) Updates]

 

The novel coronavirus (COVID-19) situation is a rapidly evolving issue across the nation and around the world, with details that are changing daily. For the most up-to-date guidance on the disease and public health practices from the US Centers for Disease Control and Prevention (CDC), refer to coronavirus.gov. This information is not medical advice; employees are encouraged to consult their own doctors or other health care providers for advice specific to their situations.