Insurance Coverage During COVID-19 Emergency
The Ohio Department of Insurance has requested that certain insurance companies ensure that members have access to needed healthcare services to test for and treat COVID-19. Specifically, health insurers have been asked to relax certain review measures, such as prior authorizations; allow longer prescription drug fills; encourage use of telehealth where possible; and be aware of their obligations under Ohio law for claim appeals and review.
Those who do lose insurance coverage, are eligible for a special enrollment period to gain new coverage. Premium subsidies may be available for those who qualify by purchasing plans on the federal exchange.
As a result of the closure of Ohio Bureau of Motor Vehicles deputy registrar locations, some insured Ohioans will be unable to timely renew their driver licenses. Insurers have been notified that they must not cancel, non-renew, or refuse to issue an auto insurance policy, or deny a claim, solely because the driver license of the policy holder or other covered family member has expired.
Property and causality, life, and long-term care insurers must provide a grace period of at least 60 days for the payment of insurance premiums so that insurance policies are not initially cancelled for nonpayment of premium during the state of emergency. Insurers may do this by offering payment accommodations, such as allowing consumers to defer payments at no cost, extending payment due dates, or waiving late or reinstatement fees. Insurers are not required to waive any premiums and the insurer will be able to retroactively cancel the policy if premiums aren’t paid.