Frequently Asked Questions
Health Plan Questions For COVID-19 Business Disruption
州长迈克·德万最近宣布了暂停或修改商业运营的政策，以帮助遏制COVID-19(冠状病毒)的传播。. 下面我们将解决一些常见问题(FAQs)，以帮助您更好地了解有关员工持续健康保险的健康计划选项.
我们的常见问题解答部分由医疗互助提供，答案将反映医疗互助计划的特定答案.
My plan is fully insured. If I lay off part of my workforce in response to the COVID-19 crisis, can the company continue to cover those employees?
Yes. Through May 31, 2020, 医疗互助放宽了对员工积极工作才有资格获得保险的要求，并允许你将下岗员工纳入保险范围, as long as you pay the monthly premium. 请注意，您必须在统一、无歧视的基础上提供此保险. 换句话说，你不能只选择为某些人继续支付保费.
My plan is fully insured. If I have to lay off my entire workforce in response to the COVID-19 crisis, can the company continue to cover those employees?
If one person remains employed by the company and covered by the plan, e.g. the owner or a management employee, the company can continue to cover laid-off employees as long as the premium is paid. Please note that you must offer this coverage on a uniform non-discriminatory basis. 换句话说，你不能只选择为某些人继续支付保费.
If I lay off a significant part of my workforce today, will coverage extend until the end of the month?
If premiums have been remitted for the month of March, coverage will continue through the end of March.
如果我所在团体的入学人数由于COVID-19的情况下降了10%以上, will my rates/premiums be subject to change?
Through May 31, 2020, if the loss of enrollment is a result of the COVID-10 situation, rates and premiums will not be adjusted.
What about continuation coverage if my plan is fully insured?
If your group is subject to COBRA, as long as one person remains actively employed, 雇员可以根据正常的通知和选举程序选择继续在COBRA下投保. 如果该计划没有在职雇员，该计划将被终止，COBRA也将不再是一个选择. In that case, 员工将有一个特殊的注册期来注册个人保险，或者可以购买一个受医疗保险约束的短期计划.
If your group is not subject to COBRA (for example, it employs fewer than 20 people), as long as one person remains actively employed, 雇员可以选择根据俄亥俄州的州续保法令继续享受长达12个月的保险. 小雇主应该在被解雇的员工被解雇时通知他们这项权利. 如果该计划没有在职员工，则终止该计划，并且不能选择继续. In that case, 员工将有一个特殊的注册期来注册个人保险，或者可以购买一个受医疗保险约束的短期计划.
My plan is self-insured. If I lay off part of my workforce in response to the COVID-19 crisis, can the company continue to cover those employees?
Yes. If Medical Mutual is your stop loss carrier, as long as you continue to pay administrative fees and claims costs, along with your stop loss premium, 你可以继续为下岗员工提供保险，即使他们没有积极工作. 请注意，您必须在统一、无歧视的基础上管理该计划. 换句话说，你不能只选择你继续支付索赔的某些人. If Medical Mutual is not your stop loss carrier, 你应该向你的止损保险公司咨询一下，看看是否可以为那些不积极工作的下岗员工提供保险.
My plan is self-insured. If I have to lay off my entire workforce in response to the COVID-19 crisis, can the company continue to cover those employees?
Yes, as long as one person remains actively employed by the group. 如果医疗互助保险是您的止损承保人，而您继续支付管理费和索赔费用以及您的止损保费, 即使被解雇的员工不积极工作，你也可以继续为他们提供保险。请注意，你必须在制服上执行该计划, non-discriminatory basis. 换句话说，你不能只选择你继续支付索赔的某些人. If Medical Mutual is not your stop loss carrier, 你应该向你的止损保险公司咨询一下，看看是否可以为那些不积极工作的下岗员工提供保险
What about continuation coverage if my plan is self-insured?
If your group is subject to COBRA, as long as one person remains actively employed, 雇员可以根据正常的通知和选举程序选择继续在COBRA下投保. If Medical Mutual is not your stop loss carrier, 你应该确保向你的止损保险公司查询有关止损保险的最低登记人数的任何规定.
如果该计划没有在职雇员，该计划将被终止，COBRA也将不再是一个选择. In that case, 员工将有一个特殊的注册期来注册个人保险，或者可以购买一个受医疗保险约束的短期计划.
If I have to terminate coverage for my employees in the middle of a month, will I receive a refund of my premium for the rest of the month?
你的合同上写着互助医疗不会退还部分月保费, given the gravity of the current situation, 如果你方在月底前终止投保，我们将按比例退还保险费.
My plan is self-insured with 100+ employees. 如果为了应对COVID-19危机，我不得不裁掉很大一部分员工, will I need to change to a fully insured arrangement?
No, as long as the layoffs are temporary in response to the COVID-19 crisis.
Will renewal rate actions be delayed as a result of the COVID-19 situation?
No. Medical Mutual is fully operational, so renewals will be released on a timely basis. However, payment plans are being offered to assist customers on an as-needed basis.
鉴于新冠肺炎危机，我能否延长缴纳保费的宽限期?
Yes. 医疗互助保险公司将您下一个月保费的宽限期延长30天. 有了这个扩展，拖欠通知将被暂停，你的覆盖面不会中断. To extend your payment grace period, 请致电1-800-384-2184与付款专家交谈，他们可以处理您的请求并回答您可能遇到的任何问题.
医疗互助公司是否能为被解雇后失去健康保险的员工提供帮助?
医疗互助可以为那些被解雇的人提供个人短期和aca合规的健康保险计划. 感兴趣的个人应联系1-844-606-5393与可以提供帮助的顾问交谈. They can also visit Med Mutual.com to apply directly.
How soon will coverage be effective for those who enroll in an ACA-compliant plan?
For plans sold on the federal exchange (the marketplace), government rules require coverage take effect the first of the next month. For off-exchange policies, 医疗互助将放弃正常的特殊注册期程序，并允许申请人获得保险, effective the day after the loss of their employment. 请注意，在联邦市场上购买的计划可能会获得保费补贴. Premium subsidies are not available for off-exchange plans.
How soon will coverage be effective for those who enroll in a short-term plan?
如果申请人通过承保，短期计划可以在提交申请后的第二天生效.
如果成员已经满足或支付了他们在团体保险下的部分免赔额, 医疗互助是否会根据他们在这一年中已经花费的金额，在他们新的个人计划中申请免赔额?
可以，但前提是该成员以前的保险是在医疗互助计划下. If the member had coverage under another carrier, they can still enroll in a Medical Mutual individual plan, but they will start their new plan with $0 applied toward the deductible.
因COVID-19问题而暂时被解雇的员工在重返工作岗位时是否可以重新加入该计划，而无需等待期?
Yes. 2020年5月31日前重新聘用的在职员工将没有等待期. New hires are subject to any waiting period the plan requires.