Coronavirus & Your Health Care

  • LifeWise wants to help you get the care you need right now and for the coronavirus that causes COVID-19.

    How COVID-19 tests and treatment are covered

    • Treatment through December 31, 2020: LifeWise will waive all costs (copays, deductibles, and coinsurance) for all COVID-19 related treatment. Applies to in-network and out-of-network providers, inpatient and outpatient services, and medical transportation when necessary. Available to all participating groups.
    • Tests through October 23, 2020: LifeWise will waive all costs (copays, deductibles, and coinsurance) for any member requiring FDA-approved or state-approved COVID-19 tests for diagnostic purposes. Cost waived for the related office visit (for in or out-of-network providers) as well as other respiratory, viral tests, and other blood work to determine the need for COVID-19 diagnostic testing. Premera also covers and waives costs for antibody tests that support diagnosis or that support people with COVID-related complications.

    Virtual care options

    Get care when and where you need it--and right now that’s at home.

    If you have COVID-19 symptoms or need care for mental health, a cold, allergies, a rash or anything for which you’d usually go to urgent care, please use your virtual care options first to avoid possible exposure.

    We are waiving copay, deductible, and coinsurance for virtual care until December 31. Access to these new resources will continue through December 31.

    • Call your in-network primary care doctor's office.
    • Call the 24-Hour NurseLine at no charge. Just call the number on the back of your member ID card to reach medical professionals.
    • Use Doctor On Demand for a video chat with a doctor for medical care and mental health therapy.
    • Talkspace offers virtual access to licensed therapists.
    • Teladoc Health provides high-quality healthcare by phone, or mobile app.
    • Boulder Care is video-based treatment for opioid use disorder
    • Workit Health is video-based treatment for alcohol use disorder
    • Many in-network providers, including local counselors, therapists, psychologists, psychiatrists, and facilities, are offering care virtually during this time.

    Only in-person clinics or provider visits can diagnose and test for the COVID-19 virus.

    Virtual care services may be able to assist with a review of symptoms and recommendations on next steps.

    * Virtual care cost shares will be waived for all in-network providers. If a telehealth provider charges you a copay, deductible, or coinsurance for virtual/telehealth services through December 31, LifeWise will reimburse you when the claim is processed.

    Doctor on Demand, Teladoc, Talkspace, Boulder Care, and WorkIt Health are independent companies that provide virtual medical care services on behalf of Premera Blue Cross.

    Medications

    We understand the need to fill your prescriptions without going out. You have options.

    We’ve lifted our refill-too-soon policy to make sure you have necessary medications on hand. Just tell your pharmacist you need more. There are some exceptions to this, so ask your pharmacist.

    Important dates

    We follow state and federal law. As such, our coverage policies will change on these dates.

    July 1, 2020

    • Antibody tests are covered only when they are for the purpose of diagnosing a COVID-19 related condition.  

    October 14, 2020

    • Waiver of prior authorization requirements for home health care or long-term facility services ends.

    October 25, 2020

    • Cost share waivers end for FDA-approved COVID-19 diagnostic testing and other virus/respiratory testing tied to a COVID-19 diagnosis.

    December 31, 2020

    • Cost share waivers for treatment related to COVID-19 diagnosis end.
    • Cost share waivers for telehealth/virtual care visits end.
    • Prescription “refill too soon” override ends.
    • Allowance for certain procedures to be handled through Teledentistry ends.

    Additional resources

    How to stay safe at the workplace, schools, and home.

    How to know if you're high-risk and what to do.

    Frequently asked questions

    Can I go to a lab to get tested?

    To avoid possible spread, you should not go to a lab for testing without an order from your doctor.

    Is drive-through testing covered?

    Yes, your test is covered the same whether you’re in the car or in a lab.

    Are provider offices closing?

    Due to the COVID-19 crisis, some clinics need to close or adjust hours. Contact your provider to determine if their office is impacted.

    Is LifeWise functioning as usual?

    While our employees are practicing social distancing, we are continuing to provide the same level of service to our customers.

    Are masks and supplies covered?

    Masks are typically not covered by your health plan nor an eligible expense for your health savings account. They may be flexible spending account or health saving account eligible if you have a letter of medical necessity from your healthcare provider.

    Is other help available?

    The Washington State Coronavirus Response website includes a list of programs and services for Washingtonians impacted by COVID-19. The site includes information on financial, food, housing, and wellbeing services, among others.

    Your county may offer additional support in your community. Check your county’s website for resources.