Health Insurance News
CDPHP Special Enrollment Period in Response to COVID-19 3/27/2020
In response to the spread of coronavirus (COVID-19), a special enrollment period has been established for uninsured New York residents who are seeking health insurance coverage. As part of this period, eligible individuals who enroll in coverage with CDPHP or through the New York State of Health Marketplace between March 16, 2020 and April 15, 2020 will have coverage effective April 1 or May 1, 2020.
Any New York resident eligible for Medicaid, Child Health Plus, or Essential Plan coverage is eligible to enroll year-round. For enrollment in Medicaid, Child Health Plus, Essential Plan, or Qualified Health Plans, call 1-866-MY-CDPHP.
Individuals can view CDPHP plans by visiting plans.cdphp.com. To sign up for an individual plan or for more information call (518) 641-5100.
CDPHP continues to post new COVID-19 information for members on their website as it becomes available.
Special Notice from MVP Health Care
- Employer Group Coverage During the COVID-19 Pandemic
MVP Health Care® (MVP) understands that many employers are facing unprecedented challenges during the COVID-19 pandemic and we want to assure you that we are here for you and your employees.
-Premium Payment Policies
In order to ensure we can provide much needed health care services to our members, MVP is continuing to follow our current premium payment policies. We continue to monitor New York and Vermont state guidance related to premium payment grace periods and will update you accordingly.
-The Federal Stimulus Package and Small Business Loan Availability
In response to COVID-19, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), which includes Small Business Loans for eligible businesses (under 500 employees) was recently passed into law. The CARES Act expands the eligibility for small businesses to receive a loan of up to ten million dollars. Loans can be used for payroll as well as paid sick, medical, or family leave, costs related to the continuation of group health care benefits, mortgage payments and rent, utilities, and other debts. Loans could also be extended to sole proprietors, independent contractors, and self-employed persons. No collateral or personal guarantee is required. Loans are eligible for forgiveness if they meet specific criteria.
-Active at Work Provision/Employee Termination Scenarios
MVP does not plan to apply the active at work provision at this time. We will continue to provide employer group sponsored coverage to all employees and members who are currently enrolled, if premiums are being paid.
In the unfortunate instance that employers cannot continue to pay premiums for employees and need to terminate coverage for an employee during the COVID-19 pandemic, MVP will allow employer sponsored coverage to be reinstated for the employee once they return to work. MVP will not reset a re-hired employee’s deductible and/or out-of-pocket maximum accumulators as long as they enroll in the same plan during the same plan year. A re-hired employee cannot make a plan change at time of reinstatement.
An employee who is terminated from employment, or permanently laid off, is no longer eligible for employer sponsored group coverage. A terminated employee must seek coverage through COBRA or enroll in a health plan through NY State of Health™, Vermont Health Connect or directly from MVP.
-Special Enrollment Periods in New York and Vermont for Eligible Individuals
In response to COVID-19, New York State of Health™ (NYSOH) and Vermont Health Connect (VHC) have opened special enrollment periods to allow eligible, uninsured individuals to enroll in a Qualified Health Plan for coverage to begin either April 1 or May 1. The deadline for enrollment in New York is April 15, while the Vermont deadline for enrollment is April 17.
Individuals who do not qualify for financial assistance or subsidies can shop for a plan here through BENEFIT CHOICES and enroll directly with us.