Going beyond during COVID-19
March 30, 2020
Update: COVID-19-related expenses that are covered under major medical plans
Whether your major medical plan is a self-funded group health plan sponsored by your employer or is fully insured by Trustmark Insurance Company, benefits will be paid to comply with all applicable federal and state laws.
Consistent with federal law, coverage will be provided for COVID-19 testing, testing-related visits and certain preventive services recommended by designated federal agencies within 15 business days of such recommendation without any cost sharing requirements (deductible, copayment, coinsurance) or prior authorization or other medical management requirements.
March 16, 2020
We continue to monitor the evolving COVID-19 situation with two priorities in mind: the safety of our associates and continuing to serve our customers. A message from Trustmark CEO Kevin Slawin.
March 12, 2020
Trustmark is continuing to monitor the situation with the novel (new) coronavirus (COVID-19) closely while focusing on two priorities: the safety of our associates and serving our customers. We will continue to update this information as the situation evolves.
You can be assured Trustmark has business continuity plans in place across the organization. This enables us to continue to serve our clients and customers without disruption, and at the level of service you’ve come to expect. Our plans include allowing associates to work from home, limiting travel and collaborating with partners across the enterprise to help bolster our preparation and redirect resources to critical customer support functions, with a focus on meeting the needs of the clients and customers we serve.
For the latest information on COVID-19, please visit the CDC's website.
Here’s what we know
COVID-19 is an outbreak of a respiratory disease caused by a new coronavirus strain that was first detected in Wuhan, China. The virus has now been detected in more than 100 locations internationally, including in the United States.
Symptoms of the coronavirus
While it can vary from person to person, the most common early symptoms include fever, cough and shortness of breath. These symptoms can appear at any time between 2 and 14 days after being infected, and can be mild to severe. In more severe cases, infection can cause pneumonia, severe acute respiratory syndrome, kidney failure, and even death. Persons at risk for more severe symptoms include the elderly and infants, and those with underlying health conditions or a weakened immune system.
How the virus spreads
Right now, medical experts think that COVID-19 spreads from person-to-person, through respiratory droplets produced when an infected person coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs. However, since COVID-19 is a new disease, scientists around the globe are racing to learn more about it.
How to protect yourself and your family
Knowledge and adopting good healthy habits can help protect you and others from the flu, cold and other viral infections, such as COVID-19. CDC has published guidance on keeping workplaces, schools and homes safe.
In addition, the following essential healthy practices, recommended by the CDC, can help you limit the risk to you and your family:
- Get a flu shot to prevent the flu. While the coronavirus is different from the flu virus, the flu is still a serious illness.
- Practice good hygiene. Everyday preventive actions can help prevent the spread of respiratory illnesses:
- Wash your hands often with soap and water for at least 20 seconds, especially after going to the bathroom, before eating, and after blowing your nose, coughing or sneezing. If soap and water are not readily available, use a hand sanitizer that contains at least 60 percent alcohol.
- Cover your coughs and sneezes with a tissue and throw it in the trash and wash your hands. If you don’t have a tissue, cough or sneeze into your upper sleeve or elbow, not your hands.
- Avoid close contact with people who are sick.
- Stay home when you are sick, except to get medical care. During a confirmed COVID-19 outbreak in your community, stay home as much as possible to further reduce your risk of being exposed.
- Avoid touching your eyes, nose and mouth with unwashed hands.
- Clean and disinfect frequently touched surfaces and objects daily (e.g., phones, keyboards, tables, countertops, light switches, doorknobs and cabinet handles).
- Clean dirty surfaces with detergent and water first, then use a disinfectant. (Here is a list of Environmental Protection Agency approved products with emerging viral pathogens claims. Always follow the manufacturer’s instructions for all cleaning and disinfection products.)
- Get plenty of sleep, be physically active, manage your stress, drink a lot of fluids and eat nutritious food.
- Avoid crowds as much as possible, especially in poorly ventilated spaces. Your risk of exposure to respiratory viruses like COVID-19 may increase in crowded, closed-in settings with little air circulation if there are people in the crowd who are sick.
- Avoid cruise travel and non-essential air travel. If you have recently traveled overseas or plan to do so, follow guidance found on the CDC website regarding self-monitoring for infection and self-quarantine.
What to do if you are exposed to someone with coronavirus disease
If you think you have been exposed to someone with laboratory-confirmed COVID-19, follow the steps below to monitor your health and avoid spreading the disease to others if you get sick.
- Monitor your health for fever, cough and shortness of breath for 14 days after the last day you were in close contact with the sick person with COVID-19. Do not go to work or school, and avoid public places for 14 days.
- If you get sick with fever, cough or shortness of breath (even if your symptoms are very mild), you should stay at home and away from other people. If you meet any of the following conditions that may increase your risk for a serious infection — age 60 years or over, are pregnant or have medical conditions — contact your physician’s office and tell them that you were exposed to someone with COVID-19. They may want to monitor your health more closely or test you for COVID-19.
- If you do not have a high-risk condition but want medical advice, call your healthcare provider and tell them that you were exposed to someone with COVID-19. Your healthcare provider can help you decide if you need to be evaluated in person.
- There are currently no medications to treat COVID-19. If you have a medical emergency and need to call 911, tell the dispatch personnel that you may have been exposed to COVID-19. If possible, put on a facemask before emergency medical services arrive or immediately after they arrive.
This information is intended for educational purposes only, and should not be interpreted as medical advice. For specific information about your coverage, please contact your Trustmark representative.