KFBHP Responds to COVID-19

COVID-19 TESTING AND RELATED SERVICES

Beginning Feb. 4, 2020, Kansas Farm Bureau Health Plan (KFBHP) members will pay no out-of-pocket costs for approved and authorized COVID-19 testing and test-related office visits. Both the testing and related visit will be paid at 100% for any place of service, including telemedicine visits through Dec. 31, 2020. This applies for any Under 65 coverage you may have with us, and to providers and facilities both in-network and out-of-network.

Additionally, for our Under 65 members, we’ve expanded our behavioral health coverage to include telehealth* visits with in-network behavioral health providers. This applies to all visits through Dec. 31, 2020. Benefits will be provided as currently outlined in the plan policies for behavioral health.

For our Medicare Supplement members, the Centers for Medicare and Medicaid Services (CMS) have stated Medicare will cover the lab tests for COVID-19 testing. Beneficiaries will pay no out-of-pocket costs for testing. Please visit Medicare.gov for more information concerning CMS’s response to COVID-19.

*Please note, telehealth is a type of visit. Teladoc is a provider of telehealth services. While all Under 65 plan members have access to general medical services via Teladoc, behavioral health services are not currently provided under the Teladoc benefit.

PAYMENT OPTIONS

As a reminder, KFBHP has convenient online payment options for paying non-quarterly paper invoices, returned payments and restoration of coverage. While this does not include quarterly payments, if you are currently paying by this method, this would be a great time to update your billing preference to monthly bank draft using the Bank Draft Authorization Form form.

At this point KFBHP does not foresee any disruption in drafting premiums but members can see our online payment options.

TELADOC

We want our members to know we are here to support them through this challenging time. And we’d like to remind our members about the benefits of your coverage.

If you are enrolled in one of our Individual or Family Plans* or Short Term Care, your coverage plan includes access to Teladoc. Teladoc gives you access to a U.S. board certified doctor 24/7 via phone call, video chat or mobile app visit.

It’s a simple, convenient way to speak with a licensed doctor about your symptoms or health concerns and avoid visiting a busy doctor’s office or hospital emergency room during this outbreak of COVID-19.

Call 1-800-Teladoc or visit Teladoc.com to register and/or make an appointment.

*$0 consultant fee on all plans except HDHP plans. HDHP plan members are responsible for a $45 consultant fee until calendar year deductible is met. No charge after deductible is met.

FOR KANSAS RESIDENTS

The COVID-19 (coronavirus) outbreak is rapidly evolving with a state of national emergency being declared by President Trump on March 13, 2020. Governor Laura Kelly issued a statewide stay at home order effective at 12:01am, April 30, 2020 until April 19, 2020 and may be extended. 

For the most current information on COVID-19 in Kansas, visit the Kansas Department of Health and Environment's website

PROTECT YOURSELF

  • Wash your hands often with soap and water (or alcohol-based hand rub) for at least 20 seconds, especially after coughing or sneezing.  Do not touch your eyes, nose or mouth with unwashed hands.
  • Stay home when you are sick.
  • Cover your coughs and sneezes with your arm or a tissue.
  • Clean and disinfect objects (i.e. cell phone, computer) and high-touch surfaces regularly.

While 80-85% of those who contract COVID-19 will experience mild or no symptoms, some people are at higher risk of experiencing severe symptoms from this illness. This high-risk group includes older adults and those who have serious medical conditions like heart disease, diabetes or lung disease. If you are at a higher risk of getting very sick from COVID-19, you should:

  • Stock up on supplies like food, toiletries and medicines.
  • Keep space between yourself and others.
  • When in public, keep away from others who are sick, limit close contact and wash hands often.
  • Avoid crowds as much as possible.
  • Avoid cruise travel and non-essential air travel.
  • During a COVID-19 outbreak in your community, stay home as much as possible to reduce risk of exposure.

TRAVEL GUIDELINES

General returning traveler information

  • Returning travelers from Level 3 countries should stay home and monitor their health during travel and for 14 days after returning to the United States.
  • Returning travelers from Level 2 countries should limit contact with others and monitor their health for 14 days after returning to the United States.

PREVENTING COMMUNITY SPREAD

Learn how to help curtail the spread of COVID-19. Also, click here to learn more about social distancing and how it can slow down the spread of COVID-19.

SYMPTOMS

Refer to the helpful comparison chart below to help distinguish between the common cold, the flu and coronavirus.

Symptoms Coronavirus Cold Flu
Fever Common Rare Common
Fatigue Sometimes Sometimes Common
Cough Common (usually dry) Mild Common (usually dry)
Sneezing No Common No
Aches and pains Sometimes Common Common
Runny or stuffy nose Rare Common Sometimes
Sore throat Sometimes Common Sometimes
Diarrhea Rare No Sometimes for children
Headaches Sometimes Rare Common
Shortness of breath Sometimes No No

TREATMENT

If you think you have been exposed to COVID-19 and develop a fever and symptoms (such as a cough or difficulty breathing), call your health care provider.

The following symptoms may present 2-14 days after exposure:

  • Fever
  • Cough
  • Shortness of breath

COPING WITH COVID-19

Click here for some guidance and helpful steps for coping emotionally with the stress and anxiety being faced by many during these uncertain times.

MORE HELPFUL LINKS

Visit sites below for more information on COVID-19: 
 
Federal government

Johns Hopkins University

World Health Organization