Care and Services Available for COVID-19 (Coronavirus)

Symptoms and testing

Check your symptoms. If you think you’ve been exposed to COVID-19 and develop a fever, cough, or have trouble breathing, call your doctor. Visit the Centers for Disease Control and Prevention (CDC) for more details on symptoms.

Testing is free. Independence Blue Cross (Independence) will cover the cost for testing, including antibody testing. First, contact your doctor or state health department. They will screen you based on CDC guidelines. Then they may issue a lab order for the test, although due to a shortage of tests they may also treat you with a request to self-isolate and use over-the-counter medications.

Find a test location

Virtual visits

Talk to a doctor 24/7 for free¹. Telemedicine services from your primary care doctor are covered at no cost. You can also schedule a same-day appointment with a doctor 24/7 with MDLIVE¹. MDLIVE doctors can assess your symptoms and help with next steps at no cost to you until June 30, 2020. Register or login at

Specialists are available. The CDC recommends that the best way to prevent illness is to avoid being exposed to the virus that causes COVID-19. Ask your specialist if your visit can be done over the phone or video. If so, office visit cost-sharing will apply, based on your health plan. This also includes urgent care, nutritionists, and therapists (occupational, physical, speech). Physical and occupational therapy must be conducted via video.

Getting care

Treatment is covered¹. Independence will waive members’ cost for in-network, acute in-patient treatment of COVID-19 received between March 30 and June 30, 2020. Cost sharing will be applied to post-acute care (e.g. skilled nursing, rehabilitation and long term acute care facilities), outpatient treatment, prescription drugs, ambulance transportation to a post-acute setting, and out of network care. Medicare Advantage members are covered for out-of-network acute in-patient care treatment of COVID-19 with no cost sharing as well.

Pre-authorizations temporarily waived. Pre-authorization is currently not required for acute, in-network, in-patient admissions from the emergency department. Pre-authorization is also being waived for transfers from an in-patient facility to long-term ambulatory care, rehabilitation, or skilled nursing facilities, and transportation between facilities. These temporary changes to our pre-authorization policy are in effect until June 30, 2020 and includes out-of-network coverage for Medicare Advantage members. Facilities are still required to notify Independence.

Additional care support

Postpone non-urgent care. Talk with your doctor about delaying elective procedures and non-urgent care. If you already have approval for a prior authorization, it will be extended for six months to allow time for you to reschedule.

Navigate COVID-19 with Quil. To help you navigate some of the challenges you may be facing during the COVID-19 outbreak, Quil Health — the digital health joint venture between Independence Health Group and Comcast — has developed a comprehensive COVID-19 Preparedness Tool that members can access for free. Get access now.

Maintain your medications

Check your medications. Check to make sure you have enough medications. Call your doctor if you need refills. Refill limits, such as the “refill too soon” limit, have been temporarily lifted.

Get delivery. Many neighborhood pharmacies are now offering free home delivery. View a list of locations.

Your emotional health

Feeling stressed? Community health outbreaks may cause stress and anxiety. Visit this site for tips on how to handle. You can also find your way On To Better Health with our interactive cognitive behavioral therapy program for conditions like anxiety, depression, and insomnia. Plus, stay physically active and emotionally balanced with programs to conquer physical distancing in our Achieve Well-being tool. Login to your account at

Try meditation. Learn ways to stay focused on your feelings in a positive way. Independence members get free, 60-day access to leading mindfulness app, Stop, Breathe & Think. Visit the VIP Access site and use the code ibxmindful. Select “All Ages & Kids Monthly” to sign up and start your free trial.

Virtual visits for mental health¹. If you have mental health benefits through Independence Blue Cross, you can talk to an in-network mental health counselor online or on the phone. The cost will be the same as a mental health specialist visit. Call the number on the back of your ID card or visit to find a provider.

Learn more

Beat COVID-19 Videos

The Independence Blue Cross Beat COVID-19 multi-media public service campaign underscores the message: We’re in this together. These videos highlight ways everyone can help slow the spread of COVID-19 so we can safely and effectively manage it.

View all videos

Stay connected!

Sign up for Independence updates and information. If you have coverage through your employer or purchased an Individual or Family plan, get connected today.

Medicare members can sign up at

1 Note: For employers who are self-insured, coverages may vary. If you have coverage through your employer, please check with them about how these programs apply.

MDLive is an independent company.

Y0041_HM_85678_2020 Website last updated: 5/26/2020

Independence Blue Cross offers Medicare Advantage plans with a Medicare contract. Enrollment in Independence Medicare Advantage plans depends on contract renewal.

Independence Blue Cross offers products through its subsidiaries Independence Hospital Indemnity Plan, Keystone Health Plan East and QCC Insurance Company — independent licensees of the Blue Cross and Blue Shield Association.

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