(608) 310-7075 | 2801 Coho St. Suite 200 Madison, WI 53713

Coronavirus Resources

A Message from the HIG Team

During this pandemic we understand we’re all facing new challenges every single day from all aspects of our businesses. During this time we at Hemb Insurance Group with the assistance of our partners at United Benefit Advisors and HR Professionals want to provide you with all the necessary resources need to navigate through these unprecedented times. We are continually updating this page as changes and updates occur. There are still many questions and What-Ifs, so if you are looking for information that isn’t easily identifiable, please reach out and contact us.

We will all get through this together. Stay positive and keep smiling.

How have carriers responded?

Anthem (WI)

  • Waived, through May 31st as long as monthly premium payment is received

Dean (SSM)

  • Waived, for duration of Public Health Emergency as long as monthly premium payment is received

Group Health Cooperative (GHC)

  • Waived, for 90 days as long as monthly premium payment is received

Humana

  • Waived, through May 31st as long as monthly premium payment is received

Quartz

  • Waived, for 90 days as long as monthly premium payment is received

United Healthcare

  • Waived, through May 31st as long as monthly premium payment is received

Anthem (WI)

  • Determined on a case by case basis, please reach out to Hemb Insurance Group

Dean (SSM)

  • Individuals & Small Groups = Extended to 60 days, but can’t be in grace period currently and must be due to financial hardship from COVID-19 Pandemic
    Large Groups = Standard grace period

Group Health Cooperative (GHC)

  • Standard 30 day grace period, but working with employers on case by case basis

Humana

  • Standard grace period

Quartz

  • Standard grace period – determined on a case by case basis, please reach out to Hemb Insurance Group

United Healthcare

  • Standard grace period

Anthem (WI)

  • Yes, March 23, 2020 – April 3 2020

Dean (SSM)

  • Not offered

Group Health Cooperative (GHC)

  • To Be Determined

Humana

  • No, but groups renewing have an additional 30 days from their renewal date to complete open enrollment activities

Quartz

  • Yes, April 2, 2020 – May 31, 2020 (only for employees not currently enrolled)

United Healthcare

  • Yes, March 23, 2020 – April 13, 2020 (Groups under 50 need to provide a W&T statement). Groups can opt out, and action required to do so.

Anthem (WI)

  • Waiving waiting period for rehires who are laid off temporarily as a result of COVID-19 until May 31st

Dean (SSM)

  • Waiving waiting periods for rehires at employers request

Group Health Cooperative (GHC)

  • Will follow current provisions set by employer at time of layoff

Humana

  • Waiving waiting period for rehires who are laid off temporarily as a result of COVID-19

Quartz

  • If rehired within 12 months of layoff coverage is effective 1st of the month following rehire date or per the group’s current probate rules (if different)

United Healthcare

  • Waiving waiting period for rehires who are laid off temporarily as a result of COVID-19

Anthem (WI)

  • Covered in full

Dean (SSM)

  • Covered in full & Prior Authorizations waived for In-Network COVID-19 related screening

Group Health Cooperative (GHC)

  • Covered in full & Prior Authorizations waived for In-Network COVID-19 related screening

Humana

  • Covered in full & Prior Authorizations waived for In-Network COVID-19 related screening

Quartz

  • Covered in full & Prior Authorizations waived for COVID-19 related screening

United Healthcare

  • Covered in full & Prior Authorizations waived for In-Network COVID-19 related screening

Anthem (WI)

  • Covered in full at in-network facilities (April 1, 2020 through May 31, 2020)

Dean (SSM)

  • Covered in full at in-network hospitals during Public Health Emergency

Group Health Cooperative (GHC)

  • Standard cost sharing

Humana

  • Covered in full (effective February 4, 2020)

Quartz

  • Covered in full at in-network facilities through May 31, 2020

United Healthcare

  • Covered in full through May 31, 2020

Anthem (WI)

  • Fees waived through June 14, 2020 (Access LiveHealth Online in Anthem app) (Telehealth visits also available by phone with PCP at no cost)

Dean (SSM)

  • Fees waived for COVID-19 Screening Other Visits $25 or office visit copay which ever is less
    (Visit Deancare.com)

Group Health Cooperative (GHC)

  • Fees waived (Visit www.ghccareondemand.com)

Humana

  • Fees waived, through in-network providers through June 8, 2020 (Visit www.humana.com/coronavirus/telemedicine)

Quartz

  • Fees waived through in-network providers until further notice

United Healthcare

  • Fees waived through June, 18 2020 for in-network visits (Access through UHC Account)

Anthem (WI)

  • Yes, for most maintenance medications only

Dean (SSM)

  • Yes, for all medications

Group Health Cooperative (GHC)

  • No comment, but members can elect to have prescriptions delivered by mail through GHC’s My Chart

Humana

  • Yes, from March 10, 2020 – April 30,2020

Quartz

  • Yes, but limits on how early for both Non-Maintenance Drugs & Maintenance Drugs

United Healthcare

  • Yes, may request through members pharmacy

Epic Life

  • Reduction in Hours (through 4/30) – Employees remain eligible provided employer pays premium. Furlough – Employees remain eligible for STD through 4/30. Life & LTD policies already have 90-day extensions for leave and lay-off.

Guardian

  • Waived, as long as premium payments are received from 3/1/2020 – 6/30/2020. (LTD not included)

Kansas City Life

  • To Be Determined

Lincoln Financial

  • Waived, as long as premium payments are received through May 1, 2020

Metropolitan Life

  •  Waived, as long as premium payments are received. Length varies by product:
    – Life, AD&D, Dental, Vision, Accident= 12 months from event date
    – Disability = 60 days from event date if occurred between March 1, 2020 through May 31, 2020

Mutual of Omaha

  •  Waived, as long as premium payments are received, event occurred between March 1, 2020 through May 31, 2020. Length varies by product and event date:
    – Life, STD, C.I. and Accident employees on furlough or layoff status beginning in:

    • March will be deemed Actively Working through May 31, 2020
    • April or May will be deemed Actively Working through the end of the calendar month following event month
  • – LTD coverage, coverage will continue through the end of the calendar month following the event month

Principal

  • Waived, as long as premium payments are received (Event must occur between March 1, 2020 – April 30, 2020 coverage will continue until May 31, 2020)

Reliance Standard Life

  • Waived, as long as premium payments are received for 60 days from date of change

Sun Life

  • Waived, as long as premium payments are received for the earlier of 90 days or the end of the period when a person is unable to work, is working reduced hours, or is not working from their usual work location as of March 13, 2020, until September 1, 2020

The Hartford

  • Waived, if furloughed or laid off on or after 3/1/2020 through 5/31/2020 & as long as premium payments are received

Unum

  • Waived, as long as premium payments are received for 60 days from date of change

Delta Dental

  • 50% premium credit for April 2020 billed premiums and self-funded administrative fees

Epic Life

  • Grace Period extended from 30 days to 60 days

Guardian

  • Grace Period extended from 30 days to 60 days

Kansas City Life

  • To Be Determined

Lincoln Financial

  • Grace Period extended from 30 days to 60 days

MetLife

  • 25% premium credit for April and May 2020 billed premiums on all fully insured plans only

Metropolitan Life

  • Grace Period extended from 30 days to 60 days

Mutual of Omaha

  • Standard Grace Period

Principal

  • Grace Period extended from 30 days to 60 days through June 1, 2020

Reliance Standard Life

  • Standard Grace Period (will work with client before termination)

Sun Life

  • Grace Period extended from 30 days to 60 days

The Hartford

  • Until June 1st, 2020 , temporarily suspended policy cancellations due to non-payment of premiums for payments due February, March and April

Unum

  • Standard grace period (If exhaust grace period will work with client to understand ability to pay premium prior to termination)

Epic Life

  • To Be Determined

Guardian

  • No rate change for renewals between May 1,2020 through August 31, 2020 (For groups below 500 EE’s)

Kansas City Life

  • To Be Determined

Lincoln Financial

  • To Be Determined

Metropolitan Life

  • To Be Determined

Mutual of Omaha

  • To Be Determined

Principal

  • No rate change for renewals between May 1, 2020, through October 1, 2020

Reliance Standard Life

  • To Be Determined

Sun Life

  • To Be Determined

The Hartford

  • To Be Determined

Unum

  • To Be Determined

Epic Life

  • To Be Determined

Guardian

  • No rate change for renewals between May 1,2020 through August 31, 2020 (For groups below 500 EE’s)

Kansas City Life

  • To Be Determined

Lincoln Financial

  • To Be Determined

Metropolitan Life

  • To Be Determined

Mutual of Omaha

  • To Be Determined

Principal

  • Waiving waiting period for rehires if rehired within 6 months of termination date

Reliance Standard Life

  • New hire waiting period applies

Sun Life

  • Waiving waiting period for rehires if rehired within 6 months of termination date (additional accommodations for longer periods available)

The Hartford

  • To Be Determined

Unum

  • Waiving waiting period for rehires if rehired within 6 months of termination date

Epic Life

  • A quarantine by itself does not qualify for disability. A COVID-19 diagnosis that causes the employee to miss work will qualify.

Guardian

  • Standard processing, but adapting processing to collect info verbally and electronically where possible (A mandated Quarantine may be an eligible claim if policy has a Quarantine Rider)

Kansas City Life

  • To Be Determined

Lincoln Financial

  • Providing an additional 30 days for claim submissions, proof of loss, notice and proof due dates, medical record due dates, appeal deadlines, and receipt of repayment due to overpayment

Metropolitan Life

  • For disability claims potentially due to, COVID-19, MetLife will automatically approve claims. Employee has 14 calendar days to substantiate claim

Mutual of Omaha

  • Standard processing (Benefit amount based on earnings prior to layoff or furlough)

Principal

  • Standard processing

Reliance Standard Life

  • Standard processing (If benefit is based on salary will base on salary prior to COVID-19 pandemic for 60 days following change)

Sun Life

  • Standard processing

The Hartford

  • Established priority handling procedures for COVID-19 claims, to expedite claim reviews in most cases

Unum

  • Standard processing (earnings based on compensation prior to COVID-19 related change in work hours)

Epic Life

  • Earnings for life and disability benefits will be based on the employee’s wage/salary on the day prior to reduction in hours or furlough.

Guardian

  • Teledentistry services available through May 31, 2020

Principal

  • Standard processing

Reliance Standard Life

  • Standard processing (If benefit is based on salary will base on salary prior to COVID-19 pandemic for 60 days following change)

Delta Dental (WI)

  • Waived, as long as premium payments are received. If laid off or furloughed and rehired, Delta Dental will waive waiting periods.

Momentum

  • To Be Determined

VSP

  • Waived

Delta Dental (WI)

  • Grace Period extended from 31 days to 60 days

Momentum

  • Premium Holiday for April

VSP

  • Standard 60 day grace period

Delta Dental (WI)

  • To Be Determined

Momentum

  • To Be Determined

VSP

  • To Be Determined

Delta Dental (WI)

  • Waiving waiting period for rehires

Momentum

  • To Be Determined

VSP

  • To Be Determined

Delta Dental (WI)

  • Teledentistry available and covered in full

Human Resources (FFCRA Legislation)

The below resources provide guidance to employers in regards to the Families First Coronavirus Act (who this applies to, required notices, FAQ’s, etc.) and a plethora of additional resources like sample work form home polices

For current HIG clients please contact a member of your HIG team for full access to ThinkHR

COVID-19 Webinars

Federal Loan Guidance (CARES ACT/Paycheck Protection Program)