CoronaVirus (COVID-19)

* Updated 7/3/2020

CDC data this week shows an overall 1.1% increase in positive COVID test results―the second week in a row of increased positive test results. It seems that now is a good time to reflect on what we know in context to other pandemics from the past and, most importantly, what we can do as individuals to help keep ourselves, our families, and our communities safe.

Infectious disease has ravaged humanity since Bible times. Parasites, bacteria, and viruses are spread sometimes by animals and sometimes from person to person as is the case in coronavirus, which causes COVID-19.

Periodically experts will discuss the R0 factor (“R Not”) which is a measure of how easily an infection passes from person to person. In the case of coronavirus, it is more infectious than the typical flu, but relative to other common viruses, it is in the middle of the pack. When the R0 falls to less than 1, an infection usually dies out.

To read the full update on our blog, click here. See below for links to other resources that may be helpful to you.

 

Government Resources 

Centers for Disease Control (CDC)

Department of Health & Human Services (HHS)

Internal Revenue Service (IRS)

National Labor Relations Board (NLRB)

New Legislation

The Emergency Families First Response to Coronavirus Act (H.R. 6201)

Coronavirus Aid, Relief and Economic Security Act (CARES Act)

Small Business Resources

U.S. Department of Labor (DOL)

Equal Employment Opportunity Commission (EEOC)

Small Business Administration (SBA)

1.  Small Business Administration (SBA) Paycheck Protection Loan Program

A streamlined small business loan program for businesses with less than 500 employees. The loans may be used for employee salaries, payroll support (including sick leave), mortgage/rent, insurance premiums or debt obligations. Loans up to 2.5 times your average monthly payroll costs (including benefits, leave, healthcare, and taxes) during the 1-year period before the loan is made. Small business owners may visit www.sba.gov for more details.

2.  Expanded Unemployment Benefits

The CARES Act enhances unemployment insurance benefits for workers facing reduced hours or those who have been laid off during this time. Eligible workers receiving unemployment benefits will receive an additional $600 per week on top of the State’s benefit for up to four months (until July 31st). It also allows states to expand unemployment eligibility to self-employed, gig workers, independent contractors, and freelancers.

3.  Direct Payments

The CARES Act provides for direct tax payments to eligible adults (filing single) of $1200 and couples (filing jointly) will receive $2400. In addition, you receive $500 per child under the age of 17. Based upon your 2019 adjusted gross income (AGI) that amount will reduce for individuals earning over $75,000 or couples earning over $150,000 per year. Individuals earning more than $99,000 per year or couples earning more than $198,000 per year are phased out completely from this stimulus check. https://www.irs.gov/coronavirus is the website to see information the IRS releases regarding the Economic Impact Payments.


Disclaimer: Medi-Share does not endorse any resource listed nor can Medi-Share provide legal or tax advice to our members. The programs or websites listed are programs and services that may be available. Please consult an attorney or tax professional for questions about the federal programs that may be available to you.

 

We're Here for You

As a ministry, we continue to pray fervently for you, our Medi-Share family. We also continue to provide you with regular email updates as well as blog updates from our Medical Director, along with practical information about your membership, so make sure you are checking your email, our blog, and our website regularly.

Here are some of the measures we are taking to be here if you need to access the Medi-Share program and support from other members due to COVID-19 or other health-related issues: 

1. Member Access & Support – You will continue to have access to our telehealth provider at no cost. If you think you may be having symptoms of COVID-19 such as a fever plus cough and/or shortness of breath, we encourage you to use free telehealth. This gives you 24/7 access to a board-certified physician who can help you determine if further care or testing is recommended before exposing yourself and/or others to the virus. Register now, instead of waiting until you need it.  

If advanced care for COVID-19 is recommended, know that:

    • All COVID-19 related medical bills including lab testing (which includes COVID-19 test kits) will be eligible for sharing once your Annual Household Portion has been met.
    • If the telehealth physician refers you to seek care for COVID-19, the $35 office/urgent care provider fee or the $200 emergency room provider fee (if telehealth provider recommends the ER) will be waived.

2. Protecting Employees & Our Ability to Serve You – We remain open from 8am – 9pm EST Monday – Friday. With the majority of our 700 employees still working remotely, we continue to handle calls daily to assist members and providers in anything related to the Medi-Share program from pre-notifications, to bill sharing questions, to care management, or health & wellness coaching. Our team is here to guide and support you in prayer.

We are proud to serve you, the members of Medi-Share, and will continue to provide updates regarding COVID-19 as the situation evolves. Our prayers are with you and your loved ones as we embrace the opportunity to be salt and light in our communities.  

“He who dwells in the secret place of the Most High shall abide under the shadow of the Almighty. I will say of the Lord, He is my refuge and my fortress; My God, in Him I will trust.” Psalm 91:1-2 

+ Is testing and treatment for Coronavirus (COVID-19) eligible for sharing?

Yes. Testing and treatment for Coronavirus (COVID-19) are eligible for sharing, like costs for any testing or treatment of a confirmed illness, based on the Medi-Share Guidelines. Members should utilize free telehealth as their first route of care and, if further treatment is recommended, utilize PHCS providers when appropriate.

+ What should members do if they are sick?

If members are feeling sick with fever >100.4° and cough or shortness of breath, they should utilize their free MDLive telehealth service first to help determine the necessary next steps.

As part of your Medi-Share membership, you have free access to 24/7 Telehealth. You can speak to a Board certified physician from the comfort of your home to review symptoms and get advice regarding any further steps.

+ How do I use MDLive?

You will continue to have access to MDLive, our contracted telehealth provider, at no cost. MDLive gives you 24/7 access to a board-certified physician who can help you determine if further care or testing is recommended before exposing yourself and/or others to the virus. If you have not yet registered or set up your account for MDLive, please visit MyChristianCare.org/mdlive and register now before you need care. If you are already set up with an account on MDLive, simply login to schedule your virtual call.

Click the link at the top for the full list of Frequently Asked Questions.