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Medical Mutual’s top priority is the health and wellbeing of our members. We are closely monitoring the recent novel coronavirus disease 2019 (COVID-19) outbreak. It’s important to know the precautions and safety measures you can take to protect you and your family.
Benefit information included below applies to all Medicare Advantage plans, fully insured commercial members, Medicare Supplement and individual members. For members covered by self-funded plans, benefits may be different, and you should verify your coverage. If you have questions about your self-funded plan, contact your employer.
COVID-19 Testing and Treatment
Medical Mutual is waiving member cost sharing associated with COVID-19 testing and treatment. This applies to services provided by both in-network and out-of-network providers.
For testing, this covers the cost of the test, as well as the cost of the provider visit, which could include a telehealth (telemedicine), urgent care or emergency room visit, to determine whether the COVID-19 testing is required, and the visit to administer the test. This is effective through the end of the national public health emergency declared by the U.S. Department of Health and Human Services.
Medical Mutual has extended the period during which cost sharing for all treatment related to COVID-19 will be waived to now go through July 24, 2020. Treatment includes hospitalizations and ground ambulance transfers for individuals with a positive COVID-19 diagnosis. In addition, Medical Mutual will permanently cover FDA-approved medications and vaccines when they become available.
Early Prescription Drug Refills and Mail Order
Please note: This only applies to members who have Express Scripts as their pharmacy benefit manager through an arrangement with Medical Mutual.
The Centers for Disease Control and Prevention recommends having at least a two-week supply of any medications you take regularly. As a Medical Mutual member, you can get your prescriptions filled as you normally would. We will also allow early fills, should you want to receive your medication prior to your next refill. Pharmacies have been given the ability to use their judgement to allow an exception and refill prescriptions early.
You can receive what your plan allows you to fill at retail pharmacies and through mail order. Most plans allow a 30-day supply at retail and a 90-day supply through mail order. Members should check their specific plan limitations. If you experience any issues trying to refill your medication, call the Rx Information number listed on your ID card.
Using Mail Order to Get Your Prescriptions
For more information on using mail order to have your prescriptions delivered right to your home, view our flier.
If You Have Recently Lost Coverage
If you have lost prescription drug coverage because of the current circumstances, please talk with your healthcare provider or pharmacist. They will have information on pharmacy chain discount cards, manufacturer copay cards available for brand name drugs, assistance programs, and other options. You can also visit RxAssist.org/Patients or NeedyMeds.org/pap.
Telehealth (Telemedicine) Appointments
Telehealth (telemedicine) visits are covered just like other medically necessary office visits. They are for patients needing routine care for chronic or general health conditions, including behavioral health. Visits are primarily scheduled between patients and healthcare providers who already have an established relationship. During the current state of emergency in Ohio, Medical Mutual is waiving the requirement that telehealth (telemedicine) visits have a visual encounter. Therefore, telephonic visits, in addition to web or app, will be covered at this time.
Also during this time, Medical Mutual will allow occupational and physical therapy, as well as speech pathology and applied behavioral analysis (ABA), visits to be conducted via telehealth (telemedicine) when audio and visual encounters are included. Telephonic-only visits will NOT be covered. Chiropractic services are NOT included. Services performed by home health agencies are NOT included.
For members covered by self-funded plans, benefits may be different, and you should verify your coverage. If you have questions about your plan’s telehealth (telemedicine) coverage, check your benefit documents by logging in to My Health Plan or call Medical Mutual Customer Care using the phone number listed on your ID card.
If you lost or are losing your employer health insurance coverage because of these unprecedented circumstances, we’d like to help. You may be eligible for an individual health insurance plan. Visit Healthcare.gov/coronavirus for a helpful FAQ.
Medical Mutual also has licensed sales representatives available to answer your questions. Give us a call toll free at 1-866-488-3266, Monday through Friday, 8 a.m. to 8 p.m. You can learn more about our plans by visiting our Plans & Products section.
Call your doctor right away if you feel sick and are concerned about your symptoms.
The best way to prevent illness is to avoid being exposed to this virus. Following the actions listed below can help prevent the spread of respiratory diseases, including COVID-19:
COVID-19 is a respiratory disease caused by the most recently discovered coronavirus. The new virus and disease were unknown before the outbreak began in Wuhan, China, in December 2019. This is a rapidly evolving situation and the Centers for Disease Control and Prevention (CDC) and the Ohio Department of Health (ODH) continue to provide updated information as it becomes available.
The most common symptoms of COVID-19 are fever, cough and shortness of breath. Some people become infected but don’t develop any symptoms and don't feel sick.
Illness is generally mild, especially for children and young adults. Most people recover without needing special treatment. However, the elderly and people with underlying medical problems, such as high blood pressure, heart disease and diabetes, are more likely to become seriously ill and may need to be hospitalized.
People can catch COVID-19 from others who have the virus. The virus spreads when a person with COVID-19 coughs or exhales, releasing small droplets from their nose or mouth. Others breathe in the droplets containing the virus, or touch objects or surfaces around the person, then touch their eyes, nose or mouth.
Studies suggest coronaviruses (including preliminary information on COVID-19) may persist on surfaces for a few hours or up to several days. If you think a surface may be infected, clean it with a disinfectant. Then wash your hands with soap and water for at least 20 seconds or clean them with an alcohol-based hand sanitizer that contains at least 60% alcohol, if soap and water are not available.
Most commonly, the incubation period, which refers to the time between catching the virus and beginning to have symptoms of the disease, is around five days. Current estimates for COVID-19 range from one to 14 days.
No. There is no vaccine available currently to prevent COVID-19.