COVID-19 Information for Medical Mutual Customers

Medical Mutual recognizes the impact COVID-19 has on your business. As your trusted partner for health, life, dental and vision coverage and Employee Assistance Program (EAP) support, we’re here for you and your employees.

Reimbursement for Over-the-Counter (OTC) COVID-19 Tests

On Jan. 10, 2022, health insurance plans, like Medical Mutual, received additional guidance from the federal government regarding making FDA-approved/authorized OTC COVID-19 tests available to our members at no cost to them starting Jan. 15, 2022. The guidance calls for coverage of 8 tests every 30 days per member. For more information on how you can request reimbursement for any tests you purchased on or after Jan. 15, log in to My Health Plan.

Testing and Treatment for COVID-19

The Families First Coronavirus Response Act (FFCRA) requires all testing for COVID-19 and services associated with the testing to be covered with no member cost sharing. Self-funded groups cannot opt out of covering COVID-19 testing with no cost sharing. 

Contact your Medical Mutual representative with any questions.

Extended Grace Periods for COBRA Election and Premium Payments

On April 28, 2020, the Department of Labor (DOL) issued Employee Benefits Security Administration (EBSA) Disaster Relief Notice 2020-01, and on May 1, 2020, the DOL and the Internal Revenue Service (IRS) issued a Final Rule, which extends COBRA grace periods for eligible plan participants. These grace period extensions apply retroactively to March 1, 2020, the effective date of the national emergency declared by the federal government. This extended grace period applies to both the COBRA election time frames, as well as monthly COBRA premium payments. The extended grace period will continue for 60 days after the end date of the national emergency. 

Please note that the COBRA election extension does not change the time frame for members to move to individual coverage under a special enrollment period. Employees still have only 60 days from loss of coverage to elect individual coverage.

If you have questions, contact your Medical Mutual representative.

Member Resources

Visit Medical Mutual's COVID-19 page for more information and resources.