State-based commercial insurers’ COVID-19 telehealth policies

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Policies and coding guidance for extended telehealth coverage during the COVID-19 emergency

This list of state-based payers provides details on more than 50 of the better-known commercial insurers’ policies for extended telehealth (TH) coverage during the COVID-19 emergency.

Note: Expiration dates are rapidly changing. While we strive to keep the information updated, please check with the insurer directly for current information.

View policies for national and regional payers

About this list

How created

This listing is the result of the largest ever collaboration between APA Services, Inc. (specifically Practice’s Legal and Regulatory Affairs and Office of Health Care Finance) and the Inter Organizational Practice Committee (IOPC), a group of national neuropsychology groups.

The initial research on scores of state insurers was done by a team of neuropsychology graduate students supervised by IOPC leaders. The information benefited from feedback from the APA-affiliated state psychological associations’ Directors of Professional Affairs and insurance/reimbursement leaders.


How to read the information

The national and regional payer section has listings for national companies like Aetna, Optum, Cigna, and Anthem BCBS, and regional companies that are in multiple states. The state-based listing provides our initial group of companies that are exclusively/primarily in one state (see Focus on commercial insurance below).

In each section, you’ll see

  • basic information on the company and web links
  • the common behavioral health (BH) procedures/codes covered by the company’s emergency TH policies
  • general information on billing, co-pays, out-of-network, etc.
  • a list of less common BH procedures/codes covered by those policies


Focus on commercial insurance

These listings focus on commercial insurance but include some specific information on variations for other programs like Medicaid and Medicare Advantage. Within commercial insurance, a company’s TH policies do not necessarily apply to the large portion of self-insured plans of large companies; those plans (known as ERISA plans) are administered but not controlled by the insurance companies.

For more information, see and APA Service’s FAQs practicing psychologists have about COVID-19 (see 6th FAQ regarding ERISA plans):

We are evaluating whether to expand the listings to include Medicaid MCOs and Medicare Advantage plans, although it appears that those companies are primarily driven by directives from state Medicaid agencies and CMS respectively.


The listings are a work in progress

Developing these listings was made challenging not only by the scope and complexity of so many companies’ TH policies, but also by the fact that they are constantly changing. Some larger companies update them very frequently.

We are still finalizing our analysis of several single state companies (e.g., BCBS companies in Alabama, Arkansas, Louisiana, and two in New York) that will be added to the state chart.

We will update the charts periodically, more frequently for major companies. Please email us with significant updates or corrections.


End dates

Most companies are either constantly extending the end dates for their TH policies as they approach or planning to end their policies when the federal or state government declares the emergency over. While most states are in early stages of reopening, many of their public health emergency (PHE) orders are likely to stay in place as long as there is some level of COVID-19 restrictions, e.g., prohibitions on mass gatherings. (A few states’ PHE orders have already expired, and some are set to expire later this summer.)

APA Services is advocating on multiple fronts for payers to keep their TH policies in place for at least 12 months after the federal emergency declaration ends. It is also advocating for payers to permanently adopt appropriate extensions of their TH policies when the crisis is over.

Disclaimer

We prepared this page to provide information to psychologists in this rapidly changing landscape. Because the law and related information continually change, we will strive to update the page weekly, so note the date stamp. Please email us with any updates.


Please note this document does not constitute legal advice. APA cannot guarantee the completeness or accuracy of this document, and we recommend that psychologists independently verify this information (partly by using the hyperlinks included) and consult with counsel in their state with appropriate experience before relying on or making decisions based on this information.

 

State payers

Alaska

Premera Blue Cross

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: extended through December 31, 2020

Arizona

Arizona BCBS

Type of plan: Commercial and Medicaid/Medicare
Coverage dates: N/A

California

Blue Shield of California

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Connecticut

ConnectiCare

Type of plan: Commercial/Medicaid
Coverage dates: March 1, 2020–June 30, 2020

Florida

Florida BCBS

Type of plan: Commerical, Medicaid
Coverage dates: Updated May 28, 2020 but no stated end date. Company claims that guidance will be updated frequently.

Georgia

Ambetter

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: March 17, 2020–June 30, 2020

Idaho

Blue Cross of Idaho

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Kansas

BCBS Kansas

Type of plan: Commercial
Coverage dates: N/A

Massachusetts

BCBS of Massachusetts

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Tufts Health Plan

Type of plan: Commercial
Coverage dates: effective for dates of service March 6, 2020 until July 20, 2020 (if necessary, date may be extended again)

Michigan

BCBS of Michigan

Type of plan: Commercial, Medicare Plus, and BCN Advantage
Coverage dates: N/A

Priority Health

Type of plan: Commercial
Coverage dates: Effective March 26, 2020 through June 30, 2020, will temporarily allow credentialed providers to bill routine practice codes for services provided through telehealth. Other policies have different effective dates.

Minnesota

BCBS Minnesota

Type of plan: Commercial and Medicaid
Coverage dates: Extended telehealth policy effective the duration of the national public health emergency related to COVID-19

Missouri

BCBS of Kansas City

Type of plan: Commercial, Medicare, and Self Insured
Coverage dates: extended to July 25, 2020

Nebraska

BCBS Nebraska

Type of plan: Commercial
Coverage dates: March 13, 2020–June 30, 2020

New Hampshire

Tufts

Type of plan: Commercial and Medicare/Medicaid

New Jersey

Horizon BCBS

Type of plan: Commercial
Coverage dates: N/A

New Mexico

New Mexico Health Connections

Type of plan: Insurance exchange and commercial
Coverage dates: N/A

Presbyterian Health Plan (AKA Centennial Care)

Type of plan: Commercial, Medicaid, Medicare Advantage
Coverage dates: N/A

True Health New Mexico

Type of plan: Appears to be both commercial and Medicare/Medicaid

New York

Excellus BCBS

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Group Health Incorporated (AKA Emblem Health)

Type of plan: Commercial and Medicare
Coverage dates: N/A

North Carolina

BCBS North Carolina

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

North Dakota

BCBS North Dakota

Type of plan: Commercial
Coverage dates: N/A

Ohio

Medical Mutual

Type of plan: Commercial and Medicare Advantage
Coverage dates: until emergency order is lifted by the U.S. Deptartment of Health and Human Services

Oregon

Moda

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

PacificSource

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Providence Health Plan

Type of plan: Commercial
Coverage dates: N/A

Pennsylvania

Capital Blue Cross

Type of plan: Commercial/Medicare Advantage
Coverage dates: through June 30, 2020

Independence BCBS

Type of plan: Commercial/Medicare
Coverage dates: Commercial telemedicine services are effective March 6, 2020 through December 31, 2020; Medicare Advantage telemedicine services are effective March 6, 2020, and for the duration of the public health emergency.

Quest

Coverage dates: during the state of emergency

UPMC Health Enterprise

Type of plan: Commercial and Medicaid/Medicare
Coverage dates: September 30, 2020

Rhode Island

BCBS Rhode Island

Type of plan: Commercial and Medicare
Coverage dates: extended through July 31, 2020

Harvard Pilgrim

Type of plan:
Coverage dates: N/A

South Carolina

BCBS SC

Type of plan: Commercial and Medicare
Coverage dates: until the end of the COVID-19 public health emergency period

Tennessee

BCBS Tennessee

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: March 16, 2020 until further notice

Utah

Public Employees Health Plan

Type of plan: Commercial
Coverage dates: N/A

SelectHealth (Intermountain)

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: No end date specified; only specification is effective date of March 1, 2020

UNI-BNH (University of Utah Health)

Type of plan: Commercial
Coverage dates: N/A

Vermont

BCBS Vermont

Type of plan: Commerical, Medicaid
Coverage dates: Extended thru December 31, 2020

Washington

Premera Blue Cross

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: extended through December 31, 2020

Wyoming

BCBS Wyoming

Type of plan: Commercial
Coverage dates: N/A

Date created: July 2020