Coronavirus Information and Updates

To help keep you informed, Elan will be closely monitoring developments related to the Coronavirus (COVID-19).

In the meantime, we’d like to share some information and tips to help your employees protect themselves and their families.

What is the Coronavirus (COVID-19)?

Patients with a confirmed 2019-nCoV infection have reportedly had mild to severe respiratory illness with symptoms including fever, cough, and shortness of breath.

What is my Insurance Coverage?

Your health is our priority. ELAN’s health plan gives you access to the care you need during the COVID-19 pandemic.
With ELAN, you have access to care for COVID-19 related health issues. Use the doctors, labs, and facilities in our provider’s network for:

  • Lab tests to diagnose COVID-19
  • COVID-19 testing-related doctor’s visits
  • COVID-19 treatment
How do I get Testing and Treatment?

Getting Tested

If you think you may have the virus or have been exposed to someone who has it:

  • Call your doctor right away. Your doctor can order a COVID-19 diagnostic test and coordinate your testing at an in-network lab.
  • If you don’t have a primary care doctor, you can find an in-network doctor by logging in to our member’s portal, myhealth.elan.insure.

Things to know about testing:

  • Your health plan covers FDA-authorized diagnostic testing for the COVID-19 virus.
  • ELAN follows CDC guidelines for covering COVID-9 testing. Per the CDC, as well as local public health departments, it is recommended that patients first be screened by a clinician for potential COVID-19 symptoms.
  • For testing to be covered, you need a doctor’s order.
  • We cover the COVID 19 testing, subject to plan copays, coinsurances, and deductibles.

A note about antibody tests: Serology tests detect the presence of antibodies produced after exposure to the virus. While the tests are available, it remains uncertain whether antibodies will protect you against reinfection with COVID-19. The Centers for Disease Control and Prevention (CDC) does not recommend serology tests to determine when it is safe for a person to return to work or school.

Office Visits and Treatment

Your doctor will help guide your care. If you test positive for COVID-19, follow up with your doctor’s office to plan the next steps. If symptoms worsen, contact your doctor immediately.
Your health plan also covers emergency and inpatient hospital care related to COVID-19. Seek emergency medical care immediately if you have:

  • Trouble breathing
  • Persistent pain or pressure in the chest
  • Inability or difficulty waking or staying awake
  • Bluish lips or face

For other non-emergency issues, you can visit an in-network urgent care clinic. Urgent care clinics offer primary care services and the wait time can be much shorter than an emergency room visit. The urgent care clinic will let you know if you need emergency care.

To inquire about benefits and coverage limits, members should visit our members portal at myhealth.elan.insure.or call the Customer Service at 1-844.464.4277, Monday thru Friday: 8:00 a.m. to 5:00 p.m.  Atlantic Standard Time.

Telemedicine
Need to see a doctor? Our health plans[1] offer Teladoc® service to members without copay charges. Members will have access 24 hours a day, 7 days a week to licensed doctors through the convenience of phone, video or mobile app visits, including locally situated and licensed doctors in the U.S. Virgin Islands.
Teladoc® doctors can treat many medical conditions, including:

  • Cold & Flu symptoms

● Allergies

  •  Pink Eye

● Respiratory Infection

  • Sinus Problems

● Skin Problems

  Talk to a doctor anytime!

Mental Health Services

Remember to take care of your mental health. Coping with the stress and anxiety of COVID-19 can be overwhelming. Your health plan covers mental health services, including counseling.

  • If you need help, call your primary care doctor. Your doctor can recommend a behavioral health professional.
  • Your health plan covers mental health services, including counseling. You can visit any behavioral health professional of your choice within the plan’s network.
  • If your employer offers Employee Assistance Program through ELAN, you have access to 24/7 phone access to licensed mental health care specialists.  Talk to your company’s Human Resources office or representative for more information.

[1] Not included in EVAC Plans

Where can I get the latest information on Coronavirus?

For the latest information on the Coronavirus, Please visit:

Where can I get additonal information?

We will reach out to the local CDC Office to obtain more updated information to provide our clients and members.  We’ll work with and follow the guidelines and protocols issued by the CDC, as well as VI and local public health departments.

You can find more information on COVID-19 at these links:

Visit the CDC Traveler’s Health website for travel notices and precautions at

How can we keep it from spreading?

To help prevent person-to-person spreading, please keep the following in mind:

  • Wash your hands well and often with soap and water.
  • Cover your mouth and nose with a tissue or your sleeve when coughing and/or sneezing.
  • Avoid close contact with sick people.
  • Stay home when you are sick.
  • Clean and disinfect frequently touched objects and surfaces.
Should I get the COVID-19 antibody test?

COVID-19 antibody testing tells individuals who may have had symptoms if they were infected 1-3 weeks prior; scientists do not know yet if antibodies protect from reinfection and/or how long immunity might last.

Testing for COVID-19 antibodies is a blood test and should not be confused with the COVID-19 diagnostic test which is a swab test.

Talk to your primary care provider before having the antibody test performed.

If you suspect you had symptoms of COVID-19 and have fully recovered, your doctor will determine if you should get tested.
The CDC has stated the antibody test is not 100% accurate and should not be used to determine if someone can return to work or participate in group gatherings; mass testing should be used for research purposes only.

Is COVID-19 testing covered by my plan?

Yes, subject to plan copays, coinsurances, and deductibles.
Any testing done without a doctor’s prescription and that does not meet the CDC guidelines is not covered.

Will the visit also be covered by my health plan if I think I have the coronavirus?
Yes, subject to plan copays, coinsurances, and deductibles.
Our health plans[1] offer Teladoc® service to members without copay charges.  Members will have access 24 hours a day, 7 days a week to licensed doctors through the convenience of phone, video, or mobile app visits, including locally situated and licensed doctors in the U.S. Virgin Islands. Call 1-800-Teladoc
[1] Not included in EVAC Plans
Do I have to get preauthorization (prior approval) for the coronavirus test?

No, preauthorization is not required for COVID-19 testing.

Where can I go to receive the test?

If you suspect you have symptoms of COVID-19, please call your doctor or use your Teladoc® benefit.

Your doctor will determine whether you need additional testing and care.  If warranted, your doctor will make recommendations on where to go.

If I have no symptoms or a doctor’s order, but my employer, requires diagnostic testing for me to return to work or continue working, would my health insurance cover the cost?

No, occupational testing for COVID-19 is not a covered health care benefit. Generally, employers would cover these expenses as a work-related cost.
You should contact your employer for more information about getting tested.

If I test positive for the coronavirus, will my treatment be covered?

Yes, subject to plan copays, coinsurances, and deductibles.

If you suspect you have symptoms of the coronavirus, please call your doctor or Call 1-800-Teladoc.

Your doctor will determine whether you need additional testing and care. Your doctor will make recommendations on where to go.

Is there a treatment for COVID-19?

On October 22, the FDA approved remdesivir as a treatment for COVID-19 in hospitalized patients.

  • If you have received convalescent plasma or remdesivir treatment outside of a clinical trial, we will cover the use of the therapy as part of the inpatient stay.
  • As new treatments for COVID-19 are developed, we will ensure that our members have access to medically necessary medications and treatments through their existing benefits.
  • There are a number of other medications and treatments currently being studied for the treatment of COVID-19. Great efforts are being made toward vaccine development and clinical trials are underway.
How can you ensure my prescriptions will continue to be available?

ELAN monitors guidance from the Federal Drug Administration (FDA), as well as guidance from local, state, and federal government and health officials.

  • Currently, we have not received confirmation of any medication shortages related to COVID-19 but will respond swiftly to any updates we may receive from the FDA and our pharmacy partners.
If I am traveling, does my plan cover the diagnostic testing for traveling?

Your plan does not cover diagnostic testing for traveling.

Printable Materials

1. THE PRESIDENT’S CORONAVIRUS GUIDELINES FOR AMERICA: 15 days to slow the spread.

2. Symptoms of Coronavirus – English

3. Symptoms of Coronavirus – Spanish

4. Stop the Spread – English

5. Stop the Spread – Spanish

6. CDC Guidelines for keeping Commercial establishments safe

7. CDC Guidelines for keeping the workplace safe

8. CDC Guidelines for keeping the home safe

Videos

Symptoms of Coronavirus Disease

10 Things You Can Do to Manage COVID-19 at Home

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ELAN will cover diagnostic testing and supportive care according to the member’s health plan benefits. Right now, there is no specific treatment or vaccine for 2019-nCoV and diagnostic testing is only conducted at CDC labs. Currently, the CDC is the only approved to perform testing for the coronavirus with their labs or designated labs for these purposes....