What Is a Pandemic, and What Do Insurance Companies Do to Encounter It?
A pandemic is a term that refers to the spread of certain diseases in a whole lot of population. The Coronavirus is declared as an epidemic in the twenty-first century due to its extreme-prevalent nature. Millions of people have been affected by this pandemic.
An approximate of forty-three million people have been victims of this deadly virus, and more than one million people worldwide have lost their lives because of this epidemic.
The United States of America has been the country with the highest amount of cases with the Coronavirus. In such a situation, health insurance companies nevertheless played their part in the role and are still helping people cope with the devastating pandemic.
The health insurance companies have declared this an emergency and have launched several programs and schemes for the fully-insured people.
The Behavior of Health Insurance Providers Toward COVID
1. Coverage of All Diagnostic Test and Procedures of Treatment of Coronavirus
The health insurance company will cover all the medical expenses of the fully-insured patient who struggles with the virus. From the costs of the diagnostic test to the costs of treatment procedures. The American health insurance companies are fully supporting their clients and are ready to bear all charges if you get done from the private sector hospitals. Health insurance offers waivers for the fully-insured people from the start of the Coronavirus treatment.
2. Introduction of the 'Caring-for-You Kits'
In such a situation, prevention is an essential thing. The health insurance companies have launched the incredibly-amazing idea of introducing the 'Care-for-You Kits.' These kits comprise the entire essentials that need to prevent you from getting in contact with the virus. These include facemasks, hand sanitizer, thermometer, and other vital things that ensure the epidemic's prevention.
3. Introduction of Maternity Program for Pregnant Women During COVID
Maternal women have become the main focus of pandemic-hysteria. Maternal programs are launched by health insurance companies to ensure that all pregnant women take all the measures to be saved from the virus. This program is to ensure that all the pregnancy-related issues are solved. Their 'pregnancy well-being' is observed through these programs.
4. General Care Clinics
In such a situation, the general care has been impacted. The people are not consulting doctors and are shut in their houses to prevent themselves from the epidemic. Patients with common diseases like diabetes or blood pressure get regular health checkups, but these patients cannot do so. So the general healthcare telephone-clinics have been introduced for this.
5. Pharmacy Benefits
Pharmacy benefits also offer fully-insured members a lot. This facility allows the patients to get full advantage and get their medicine fee waived off. In fact, due to corona-situation, most insurance companies have also offered delivery services for their members. Members can have a pharmacy at their doorstep.
6. Mental Health Care Facility
The mental health of the citizens is something that has been severely impacted by this situation. People, including civilians and healthcare workers, have been victims of fear, anxiety, and clinical depression. These health insurance companies felt the need to cope with people's mental health; therefore, they provided mental health assistance facilities.
To conclude, health insurance providers' behavior toward COVID has been incredibly supportive throughout the United States people's pandemic situation. They have been and are still working tirelessly to ensure the safety of the citizens. Cheers to their dedication!