We want to thank you, our dedicated hospitals and physicians, for all you are doing on the frontlines of this crisis. We’re sure the last thing you have time to do is comb through your policy details to determine what is or isn’t covered, when you need to notify your carrier and what exceptions or temporary orders have been put in place to deal with this everchanging situation.
We have put together a list of COVID-19 Coverage Question FAQs for you to use as a quick reference guide and will update it regularly as things evolve to help you get the answers you need quickly.
Please don’t hesitate to contact our Underwriters, Tim Miller (firstname.lastname@example.org) or April Stell (email@example.com), or our Customer Experience Specialist, Pansy Donegan (firstname.lastname@example.org), with any additional questions.
Yes, the state of Alabama has approved measures to limit the liability to hospitals that have invoked their emergency operations plan. You can read more about that protection here.
Although this is not a covered service in your general liability policy, we can help you obtain temporary coverage. Please contact us for more details.
According to your policy, Inspirien should be notified in advance of any changes to the type and/or volume of professional services. Therefore, please let us know of any changes as soon as possible so we can ensure that you have the necessary coverage in place to support any change in operations.
According to your policy, Inspirien should be notified in advance of any changes to individuals listed on your policy. Therefore, please let us know of any changes as soon as possible so we can ensure that you have the necessary coverage in place to support any change in operations.
Along with our Mission to be a remarkable partner, we want to help our insureds remain focused on your mission of providing medical care in this time of need. If you need to discuss upcoming payment options, or would like us to provide proactive information about your upcoming renewal, please reach out to us at email@example.com.
No – the CDC recommendation is to place COVID-19 positive patients in a single patient room and keep the door closed. Additionally, the CDC recommends to:
- Limit transport and movement of the patient outside of the room to medically essential purposes.
- House patients in the same room for the duration of their stay.
- Whenever possible, perform procedures/tests in the patient’s room.
- Reserve Airborne Infection Isolation Rooms (AIIRs) for patients who will be undergoing aerosol-generating procedures.
The Alabama Department of Public Health has issued updated guidance on the proper use of facemasks. Please visit https://www.alabamapublichealth.gov/covid19/assets/cov-hcp-mask-use.pdf for more information.
Additionally, the CDC has a PPE Burn Rate Calculator toolkit available at https://www.cdc.gov/coronavirus/2019-ncov/hcp/ppe-strategy/burn-calculator.html
Yes, according to Governor Ivey’s “Safer at Home” order issued on 04/28/2020; ‘Effective April 30, 2020 at 5 P.M, dental, medical, or surgical procedures may proceed within the following guidelines…” https://governor.alabama.gov/assets/2020/04/Safer-At-Home-Order-Signed-4.28.20.pdf
Medical procedures. Effective April 30, 2020, at 5:00 P.M., dental, medical, or surgical procedures may proceed unless the State Health Officer or his designee determines that performing such procedures, or any category of them (whether statewide or regionally), would unacceptably reduce access to personal protective equipment or other resources necessary to diagnose and treat COVID-19. Providers performing these procedures shall follow all applicable COVID-19-related rules adopted by a state regulatory board or by the Alabama Department of Public Health. In the absence of such rules, providers should take reasonable steps to comply with applicable COVID-19-related guidelines from the Centers for Medicare and Medicaid Services (CMS) and the CDC, including “Re-opening Facilities to Provide Non-emergent NonCOVID-19 Healthcare: Phase I” from CMS, available at https://www.cms.gov/files/document/covid-flexibility-reopen-essential-non-covid-services.pdf
and “Infection Control Guidance for Healthcare Professionals about Coronavirus (COVID-19)” from the CDC, available at https://www.cdc.gov/coronavirus/2019-ncov/hcp/infectioncontrol.html
- Fact Sheet for “Safer at Home” order (04/28/2020) https://governor.alabama.gov/assets/2020/04/GKI-0040-2020-Health-Order-Update-Info-Sheet.pdf
- Joint Statement: Roadmap for Resuming Elective Surgery after COVID-19 Pandemic – from American Hospital Association (AHA), American College of Surgeons (ACS), American Society of Anesthesiologists (ASA) and Association of perioperative Registered Nurse (AORN) https://www.aha.org/standardsguidelines/2020-04-17-roadmap-aha-others-safely-resuming-elective-surgery-covid-19-curve
- COVID-19 Medical Practice Reopening Checklist https://4c27ta1wi0ea2ypdxh4fepue-wpengine.netdna-ssl.com/wp-content/uploads/2020/04/MGMA-Practice-Reopening-Checklist.pdf
Nursing Home residents have been and continue to be a very vulnerable patient population in the COVID-19 pandemic. However, the Federal Government issued guidance for ‘Nursing Home Reopening Recommendations for State and Local Officials’ this week on May 18, 2020 to provide proactive measures that can be taken to prepare for opening our Nursing homes back up. This guidance can be viewed at https://www.cms.gov/medicareprovider-enrollment-and-certificationsurveycertificationgeninfs-states-and-regopolicy-and/nursing-home-reopening-recommendations-state-and-local-officials.
However, Governor Ivey’s updated Safer at Home Order https://governor.alabama.gov/assets/2020/05/Safer-at-Home-Order-FINAL-5.21.2020.pdf
issued on May 21, 2020 validates that both hospitals and nursing homes must continue to implement limited visitation policies to protect patients in our healthcare systems. See the fact sheet from Governor Ivey’s updated order for further information - https://governor.alabama.gov/assets/2020/05/GKI-0040-2020-Health-Order-Update-May-22-DFT3-Horizontal-Info-Sheet-003.pdf.
With this being said, we encourage Nursing Home leadership to begin to view the CMS guidance in order to be prepared when our COVID-19 statistics allow Nursing Homes to relax their visitation limitations and to proactively address other measures that will provide for continued safe care for this vital group of patients/residents.
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“The staff at Inspirien go above and beyond to help you with any issue that you have. They are so well educated on the latest issues.”
Nedra Dunn, RN
Quality Assurance, CM, EH, RM | Crewnshaw Community Hospital