Going Back to Work: What should I consider?
As you think about continuing or reintroducing in-person sessions into your practice, you should consider the following, among other things:
- Follow CDC, state and city guidelines for reopening and operating your place of business safely
- Should a claim be filed against you related to Covid-19, or any other matter, the circumstances and allegations surrounding the claim will be examined by the carrier. While CPH is hesitant to address hypothetical claims scenarios, coverage will be determined, as always, according to the terms and conditions of the policy
- Consult with your professional association and/or local attorneys regarding legal guidance and actions you should consider taking as you navigate the reopening of your office (waivers/consents, protocols, etc)
Whether you deliver services in person or via telehealth, the coverage is the same, as long as services are being provided legally within the scope of your state licensing laws.
Below is a list of resources providers should closely consider as they safely progress through this time:
- CDC guidance on face-to-face interactions
- CAMFT: Building Your Back-To-Business Plan
- World Heath Organization: Getting your workplace ready for COVID-19
Coronavirus & Telehealth: Am I Covered?
With growing concerns of Coronavirus, many therapists are exploring the idea of telehealth as a means of continuing therapy sessions safely during this evolving situation. We understand how important it is as providers to continue your practice with as little disruption as possible and that the safety of your clients and yourself is of utmost priority. It is our priority to support you in this.
Telehealth is a growing and prominent platform for therapists today. We are pleased to assure you that the policy with CPH & Associates does cover services provided via telehealth, as long as such services are permitted under your state’s law. You should also confirm with your professional association and/or state licensing board on if they permit this service.
- U.S. Department of Health & Human Services (HHS): Emergency Preparedness
- HHS: FAQ’s on Telehealth and HIPPA
- Informed Consent for Teletherapy Sample
- BBS Order Waiving Face-To-Face Training and Supervision Requirements
Important Notice about NY Regulations for Customers
Thank you for your service on the front lines of engagement with COVID-19 while continuing to address our community’s ongoing healthcare needs. Please be assured we are here to support you, as your insurance agent, during this difficult time. We realize the challenges you face are evolving with each new day and we are working hard to assist you with your insurance and risk needs.
We specifically want to inform you that on March 30, 2020, following Executive Order No. 202.13 by the Governor of New York, the New York Department of Financial Services (DFS) issued an Emergency Regulation requiring insurers to grant premium payment relief to New York consumers and small businesses experiencing financial hardship due to COVID-19. That Emergency Regulation affords you certain protections, including the following:
Section 229.5. Premium repayment, demonstration of financial hardship, and voluntary cancellation
(a) An insurer shall permit a policyholder who did not make a timely premium payment due to financial hardship as a result of the COVID-19 pandemic, including a policyholder to whom the insurer issued a non-payment cancellation notice prior to the effective date of the Executive Order, and who can still demonstrate financial hardship as a result of the COVID-19 pandemic, to pay such premium over a 12-month period. An insurer also shall:
(1) within ten business days following the promulgation of this Part, provide notice with each insurance premium bill of the provisions of this Part and a toll-free number that the policyholder may call to discuss billing and make alternative payment arrangements; and
(2) notify insurance producers and any third-party administrators with whom or which the insurer does business of the provisions of this Part.
(b) A licensed insurance producer who services an in-force life insurance policy, annuity contract, or fraternal benefit society certificate or who procured the property/casualty insurance policy for the property policyholder shall mail or deliver notice to the policyholder of the provisions of this Part and section 405.6 of Part 405 of Title 3 within ten business days following the promulgation of this Part.
(c) Solely for the purposes of this Part, an insurer shall accept a written attestation from a policyholder as proof of financial hardship as a result of the COVID-19 pandemic.
(d) Nothing shall prohibit a policyholder from voluntarily cancelling an insurance policy or annuity contract.In addition, if you financed your premium through a premium finance agency, that premium finance agency is also required to make certain accommodations under the Emergency Regulation via a new section 405.6 which has been added to Part 405 of Title 3.
We stand ready to answer any questions you might have and address any payment issues you are experiencing as a result of the COVID-19 pandemic. Again, we thank you for your service