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Total Health Care waives out-of-pocket insurance costs for COVID-19 treatment

Members can receive covered COVID-19 testing, treatment

A laboratory technician prepares COVID-19 patient samples for semi-automatic testing at Northwell Health Labs, Wednesday, March 11, 2020, in Lake Success, N.Y. The U.S. Food and Drug Administration has approved faster testing protocols as the viral outbreak continues to spread worldwide. For most people, the new coronavirus causes only mild or moderate symptoms. For some it can cause more severe illness. (AP Photo/John Minchillo)
A laboratory technician prepares COVID-19 patient samples for semi-automatic testing at Northwell Health Labs, Wednesday, March 11, 2020, in Lake Success, N.Y. The U.S. Food and Drug Administration has approved faster testing protocols as the viral outbreak continues to spread worldwide. For most people, the new coronavirus causes only mild or moderate symptoms. For some it can cause more severe illness. (AP Photo/John Minchillo) (Copyright 2020 The Associated Press. All rights reserved.)

DETROIT – Total Health Care USA (THC) will waive all copays, deductibles and co-insurance for the treatment of COVID-19 through June 30 amid the coronavirus (COVID-19) pandemic.

RELATED: Coronavirus in Michigan: Here’s where we stand today

The insurance provider announced Wednesday that all commercial, individual and Medicaid members can receive COVID-19 testing and treatment without any out-of-pocket health insurance costs.

“We continue to support our commitment to our members and the communities we serve by making sure our members receive the treatment they need, without the burden of copays, deductibles and co-insurance payments,” said THC CEO Randy Narowitz. “We must all be diligent in making sure our families and loved ones are safe in these difficult times.”

Effective immediately, THC members can receive covered inpatient or outpatient treatment from an in-network provider, officials said.

THC officials say patients must have a “confirmed primary COVID-19 diagnosis and be receiving evidence-based care for treatment to be fully covered.”

MORE: Click here to learn more about COVID-19 testing criteria in Michigan

THC listed the following services offered to members amid the COVID-19 pandemic:

  • Fully covering the cost of physician-ordered COVID-19 testing for all members.
  • Continuing to provide Teladoc® at no charge.
  • Expanding free home medication delivery for all members with local pharmacies.

Members can learn more from THC’s website here.

Click here to read our latest COVID-19 updates.

How COVID-19 Spreads

Person-to-person spread

The virus is thought to spread mainly from person-to-person.

  • Between people who are in close contact with one another (within about 6 feet).
  • Through respiratory droplets produced when an infected person coughs or sneezes.

These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs.

Can someone spread the virus without being sick?

  • Spread is possible before people show symptoms. People who are not showing symptoms can still be carrying the virus and can still pass it on to other people.

Spread from contact with contaminated surfaces or objects

It may be possible that a person can get COVID-19 by touching a surface or object that has the virus on it and then touching their own mouth, nose, or possibly their eyes, but this is not thought to be the main way the virus spreads.

How easily the virus spreads

How easily a virus spreads from person-to-person can vary. Some viruses are highly contagious (spread easily), like measles, while other viruses do not spread as easily. Another factor is whether the spread is sustained, spreading continually without stopping.

Prevention and Treatment

There is currently no vaccine to prevent coronavirus disease 2019 (COVID-19). The best way to prevent illness is to avoid being exposed to this virus. However, as a reminder, CDC always recommends everyday preventive actions to help prevent the spread of respiratory diseases, including:

  • Avoid close contact with people who are sick.
  • Avoid touching your eyes, nose, and mouth.
  • 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 using a regular household cleaning spray or wipe.

Wash your hands often with soap and water for at least 20 seconds, especially after going to the bathroom; before eating; and after blowing your nose, coughing, or sneezing.

People who think they may have been exposed to COVID-19 should contact their healthcare provider immediately.

Question about coronavirus? Ask Dr. McGeorge here.

Read more about coronavirus here.


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