Important Information About COVID-19

At Custom Design Benefits, our top priority is the health and wellbeing of our members. We are monitoring the COVID-19 outbreak closely. Since it’s important to know the precautions and safety measures you can take to protect yourself and your family, we built this page to share the latest news and information that affects your benefits plan along with links to several state resources.

Since Custom Design Benefits is considered an essential business under Ohio Governor DeWine’s stay-at-home order, we are available and ready to continue to (safely) support you and help answer your benefit questions. Contact us via telephone at 1 (800) 598-2929.

The quickest way to obtain claim and eligibility information is to log onto your portal at the top of this page.

Resources for
Your State

Your local state department of health can provide information and resources specific to your area. Please click on the appropriate state for more information and a link to that state’s coronavirus website.

kentucky

Kentucky Residents

ohio

Ohio Residents

indiana

Indiana Residents

Custom Design Benefits Service Updates

There have been several updates from Custom Design Benefits related to COVID-19 and the recently passed Families First Coronavirus Response Act. We remain committed to providing you with the information you need to understand the impact on your health plan.

  • COVID-19 Testing and Treatment
  • Emergency Paid Sick Leave
  • Telehealth (Telemedicine) Appointments
  • Over the Counter Drug Purchases
  • HSA Contributions and Tax Filings
  • COBRA
  • Impact on KPP and Magellan Rx Members

COVID-19 Testing and Treatment

Member costs associated with COVID-19 testing have been waived. Contact Custom Design Benefits for information about cost sharing for your health plan related to COVID-19 treatment.

Emergency Paid Sick Leave

The CARES ACT provides for FMLA expansion which may apply to your employer’s benefits. For more information about how this expansion applies to you and your health plan, please contact Custom Design Benefits.

Telehealth (Telemedicine) Appointments

Telehealth (telemedicine) primary care and specialist visits are covered just like other medically necessary office visits. They are for patients who need routine care for chronic or general health conditions, including behavioral health. Visits are primarily scheduled between patients and healthcare providers who already have an established relationship. Telephonic visits, in addition to web or app, will be covered at this time.

Over the Counter Drug Purchases

The CARES ACT permanently reinstates coverage of OTC (Over the Counter) drugs and medicines as eligible for reimbursement from FSAs, HRAs, HSAs, and Archer MSAs without need for a prescription. It further expands the definition of qualified OTC items to include menstrual care products. This change is effective for expenses incurred on or after January 1, 2020. It may take 4-6 weeks for some merchants to update their systems to accept the debit card at the point of sale; however, CDB is ready to accept manual claims immediately. For a list of eligible OTC products, visit the Healthcare Spending Account FAQ and Healthcare Spending Account Eligible Product links.

HSA Contributions and Tax Filings

The Treasury Department and IRS announced March 21st the federal income tax filing due date was extended to July 15th which includes extensions of 2019 HSA contributions as well. Please let Custom Design Benefits know if you have any questions.

COBRA

Many of you may be experiencing a change in your employment status during this difficult time. If you have been laid off, you may be eligible for continuation of your medical plan under COBRA. Custom Design Benefits will mail a COBRA qualifying event letter to your home, or you can contact us with questions.

Impact on KPP and Magellan Rx Members

As many of our members take maintenance medications, we are mindful of the desire to have an adequate supply of a prescription. During a declared emergency, KPP and Magellan Rx will be waiving refill limits and refill too soon requirements. Standard copays will still apply for the member.

  • COVID-19 Testing and Treatment
  • COVID-19 Testing and Treatment

    Member costs associated with COVID-19 testing has been waived. Contact Custom Design Benefits for information about cost sharing for your health plan related to COVID-19 treatment.

  • Emergency Paid Sick Leave
  • Emergency Paid Sick Leave

    The CARES ACT provides for FMLA expansion which may apply to your employer’s benefits. For more information about how this expansion applies to you and your health plan, please contact Custom Design Benefits.

  • Telehealth (Telemedicine) Appointments
  • Telehealth (Telemedicine) Appointments

    Telehealth (telemedicine) visits are covered just like other medically necessary office visits. They are for patients who need routine care for chronic or general health conditions, including behavioral health. Visits are primarily scheduled between patients and healthcare providers who already have an established relationship. Telephonic visits, in addition to web or app, will be covered at this time.

  • Over the Counter Drug Purchases
  • Over the Counter Drug Purchases

    The CARES ACT permanently reinstates coverage of OTC (Over the Counter) drugs and medicines as eligible for reimbursement from FSAs, HRAs, HSAs, and Archer MSAs without need for a prescription. It further expands the definition of qualified OTC items to include menstrual care products. This change is effective for expenses incurred on or after January 1, 2020. It may take 4-6 weeks for some merchants to update their systems to accept the debit card at the point of sale; however, CDB is ready to accept manual claims immediately. We will post a list of covered items online when made available.

  • HSA Contributions and Tax Filings
  • HSA Contributions and Tax Filings

    The Treasury Department and IRS announced March 21st the federal income tax filing due date was extended to July 15th which includes extensions of 2019 HSA contributions as well. Please let Custom Design Benefits know if you have any questions.

  • COBRA
  • COBRA

    Many of you may be experiencing a change in your employment status during this difficult time. If you have been laid off, you may be eligible for continuation of your medical plan under COBRA. Custom Design Benefits will mail a COBRA qualifying event letter to your home, or you can contact us with questions.

  • Impact on KPP and Magellan Rx Members
  • Impact on KPP and Magellan Rx Members

    As many of our members take maintenance medications, we are mindful of the desire to have an adequate supply of a prescription. During a declared emergency, KPP and Magellan Rx will be waiving refill limits and refill too soon requirements. Standard copays will still apply for the member.

Information from the CDC

The Centers for Disease Control and Prevention (CDC) is an authoritative source of information on COVID-19.
For more information, visit the CDC’s website.

Visit CDC Website
woman

If you think you may have COVID-19 symptoms

Call your doctor right away if you feel sick and are concerned about your symptoms.

To Learn About Symptoms

Protect Yourself and Prevent Spreading the Virus

The best way to prevent illness is to avoid exposure to the virus. The actions listed below can help prevent the spread of respiratory diseases, including COVID-19, when followed regularly.

wash your hands

Wash your hands

Washing your hands frequently with soap and water for at least 20 seconds or cleaning them with an alcohol-based hand sanitizer that contains at least 60% alcohol will kill viruses that may be on your hands.

Practice Social Distancing

Practice social distancing

Maintain at least six feet distance between you and anyone who is coughing or sneezing. In general, try to avoid crowds, shaking hands, and going to work or school when you’re feeling ill. When in public, cover your mouth and nose with a cloth face cover.

Don't Touch Your Face

Don’t touch your face

Avoid touching your eyes, mouth, and nose. Your hands touch many surfaces and can pick up viruses. If contaminated, hands can transfer these viruses to your eyes, mouth, and nose.

Practice Good Respiratory Hygiene

Practice good respiratory hygiene

Cover your mouth and nose with a tissue or your bent elbow if you cough or sneeze. Throw away any used tissues and wash your hands with soap and water immediately.

Frequently Asked Questionsquestions

What is COVID-19?

Coronavirus disease 2019 (COVID-19) is a respiratory illness that can spread from person to person. The virus that causes COVID-19 is a novel coronavirus that was first identified during an investigation into an outbreak in Wuhan, China.

What are the symptoms of COVID-19?

Patients with COVID-19 have had mild to severe respiratory illness with symptoms of fever, cough, and shortness of breath.

How does the virus spread?

The virus is believed to spread mainly between people who are in close contact with one another (within about 6 feet) through respiratory droplets produced when an infected person coughs or sneezes.

It may also be possible to get COVID-19 by touching a surface or object that has the virus on it and then touching your own eyes, mouth, or nose, but this isn’t thought to be the main way the virus spreads.

How long can the virus survive on surfaces?

Studies suggest coronaviruses (such as COVID-19) may survive on surfaces for anywhere from a few hours up to several days. If you suspect a surface is contaminated, clean it with a disinfectant, then wash your hands with soap and water for at least 20 seconds. If soap and water are not available, clean your hands with an alcohol-based hand sanitizer that contains at least 60% alcohol.

How long is the incubation period for COVID-19?

The incubation period, which is the time between catching the virus and when symptoms of the disease begin to show up, is commonly around five (5) days. Current estimates for the incubation period of COVID-19 range from one to 14 days.

Is there a vaccine for COVID-19?

No. There is currently no vaccine to protect against COVID-19, which means taking everyday preventive measures is the best way to prevent infection.

Have a question contact Custom Design Benefits at 513.598.2929 or 1.800.598.2929.