COVID-19 Policy/Procedures – Please click here to view our latest news with the ongoing situation.

Covid-19 Notice

May 14, 2020

COVID-19/Coronavirus Update

We are actively monitoring the COVID-19/Coronavirus situation and taking steps to help keep our communities safe. As our employees interact with customers and the general public, we are taking every precaution to ensure the safety and health of each individual. Our goal is to limit personal contact as much as possible, but we need your help.

Starting March 20, 2020, the lobby will be open for appointments only.
We are asking you to submit payments (check or money order only) either via the mail slot located at the door or directly to your insurance provider via online or telephone.
A directory of companies’ website addresses and phone numbers can be found here.
If you need an appointment or have any questions please contact us at (901) 345-6176.

Hours of Operation until further notice:
OPEN:

Monday – Friday
9:00am – 3:00pm

How Companies are Helping Out

Aetna​ – is waiving cost-sharing and co-pays for members who are admitted to the hospital for treatment of COVID-19 or health complications associated with it(In Network only) -​https://www.fool.com/investing/2020/03/25/cvs-healths-aetna-insurance-waives-cost-sharing-an.aspx

AIG​ – We have implemented a temporary grace period extension of 90 days for policies with premium payments due, or for policies in the grace period, between March 11, 2020 and July 1, 2020. This means if you are unable to make a premium payment on time between March 11 and July 1, 2020, you will have an additional 90 days beyond the standard lapse date in order to become current on premium payments (Life and Health Policy Holders only) – https://www.aig.com/about-us/coronavirus-updates#accordion-child_ps_accordion_3
American Reliable​ – All non-payment cancellations have been stopped for a period of 60 days, effective 3/23/2020. ​https://www.global-indemnity.com/gbli/covid-19-update

BlueCross BlueShield ​- On March 19, all 36 locally based, independently operated BCBS companies and the BCBS Federal Employee Program® announced expanded coverage for telehealth services for the next 90 days. Collectively, the BCBS system is waiving telehealth copays and cost-sharing for telehealth services. Some health plans are offering additional telehealth resources to meet specific needs in their regions. These initiatives are helping members stay home and mitigate the risks of infection, enabling doctors to monitor patients remotely, and easing the burden on emergency rooms, doctors’ offices, and urgent care clinics. In waiving copays, coinsurance and deductibles for members to use their virtual care app, CareFirst Video Visit, CareFirst Blue Cross Blue Shield is providing their full array of virtual services at no cost to their members. This includes lactation support, nutritional counseling and urgent care services. ​https://www.bcbs.com/coronavirus-updates​. BlueCross BlueShield is offering a free, online tool for people to screen themselves for symptoms of the coronavirus.The tool, which is available to anyone, whether they’re insured by BlueCross BlueShield or not, asks a series of questions, and does not give answers to a third party. https://www.wivb.com/health/coronavirus/bluecross-blueshield-offering-free-online-covid-19-assessment -tool/

Cigna​ – is covering the cost of coronavirus testing, waiving all co-pays or cost-shares for fully insured plans, including employer-provided coverage, Medicare Advantage, Medicaid, and individual market plans available through the Affordable Care Act. https://www.khou.com/article/news/health/coronavirus/health-insurance-providers-activate-emergency-pl ans-to-help-stop-covid-19/285-c55c3a24-72ef-46ce-8a71-e9f60028cdec

CNA ​- Until June 1, 2020, CNA will: Suspend all policy cancellations for nonpayment, waive all late fees, and Continue regular premium billing. https://www.cna.com/web/guest/cna/home/emergnotify/COVID-19-Coronavirus/!ut/p/b1/jZBLboMwFE XXwgrMxxQzpOUThwLBCY3xJCIR4IgY05RSyOpDOmortekbXOlJ50pXBzBAAWuL4VgX_VG2xen 2s4cdVMNw8wwznVimqTqJr8MkM_QktGYg_wo8xlibgWSO2FSztfa_vvrLOeq9_hKw-iT389QX9yBG V0a1h13ODL8eo2SklHZapMkexWucLt4Pwu2gWXUbC1Zxz-0zHSnp2q3O-VtQ2-E0jOuLlzG_PRtQH7 mFiIbDJi8ntP9AnhTOKwrCgWKKcD8Ic8Vz26hIlHKxSwv4hMgUrHSxbHykgC1g3-f_sAONO8BN3yf wh594IUUJOpHRS9kQ5CjKFfFSHaY!/dl4/d5/L2dJQSEvUUt3QS80SmtFL1o2XzQwS0tUTDRVMlI3N TUwQU9GMjRPVTMyT0s3/

DELTA DENTAL​ – Delta Dental Community Care Foundation Pledges Additional $6 Million to Fund Health Clinics Serving Low-Income Patients Impacted by COVID-19
https://www.prnewswire.com/news-releases/delta-dental-of-california-announces-200-million-covid-19-r elated-financial-aid-program-to-support-its-independent-network-providers-301041179.html

FOREMOST INSURANCE​ – If your household was directly affected by the novel coronavirus (COVID-19) and you are unable to pay your bill, we may be able to assist you. Foremost is extending a grace period for late payments until at least May 1, 2020. If your payment is late during this time, we will send you a reminder bill with an extended due date (rather than a cancellation notice for non-payment). This process will happen automatically. ​https://www.foremost.com/payonline/

Genworth Financial​ – During this difficult and uncertain time, Genworth is working to make sure that all life and long term care insurance policyholders get additional time to pay their premiums if they need it. As a result, Genworth is extending time to pay for all policyholders with grace periods of only 31 days by adding an additional month to pay. https://www.genworth.com/content/dam/genworth/about-us/GracePeriod_042220.pdf

GuideOne ​- We understand that this is an unprecedented time of uncertainty and we are here to help you and your customers. Effective March 23, 2020, we will hold nonpayment cancellations for 60 days. During this time, late payment charges and non sufficient fund fees will also be waived. https://www.guideone.com/covid-19-coronavirus-resources

THE HARTFOD BUSINESS​ – We understand the financial difficulty COVID-19 has caused for many. For business insurance customers, we will not be assessed late fees for premiums and will be suspending cancellations for non-payment until May 31, 2020. Please note, you will still receive your billing invoice with your normally scheduled due date. ​https://www.thehartford.com/coronavirus/businesses

THE HARTFORD INSURANCE​ – we’ve created our COVID-19 Personal Auto Payback Plan, giving our auto insurance customers a 15 percent credit on their April and May auto insurance premiums. If you are having financial difficulties and have an auto or home policy with us, we will waive late-payment fees and cancellations for non-payment until May 31. We hope that these refunds and waivers help provide some financial relief you need during this stressful time. https://www.thehartford.com/coronavirus/individuals

HUMANA​ – Humana is continuing to expand our coverage to help protect our members and reduce the spread of COVID-19. To that end, we are waiving all medical costs related to COVID-19 for our members. Telehealth visits will be fully covered. Pre-authorizations for care have been removed in many cases. ​https://www.humana.com/coronavirus/covid19-humana-member-resources

Illinois Mutual Insurance Company​ – Extensions on payment of premium. We are extending grace periods on all of our product lines. If you are having trouble making a payment, please contact our Policy Service Department to discuss your individual situation.
https://www.illinoismutual.com/Illinois-Mutual-Consumer-Alerts/COVID-1

Markel -​ beginning March 27, 2020, we are initiating a temporary 60-day voluntary hold on cancellations and nonrenewal notices through May 31, 2020, or later as directed by state regulations. While we will continue to bill them for premiums, payments will be deferred. In addition Markel Specialty will not cancel for non-payment and will waive any late fees during this hold.
https://www.markelinsurance.com/covid-19-resources

National General Insurance ​- National General is providing a 15% credit on April premiums for personal auto insurance policyholders. The credit applies to personal auto insurance customers with a policy in force as of April 30, 2020, and will automatically be credited to the policy, subject to state regulatory approvals and other relief requirements.
https://nationalgeneral.com/covid-19/

Progressive -​ If you have an active personal auto policy at the end of April or May, you will be receiving a 20% premium credit. There is nothing you need to do. Starting April 1, 2020, we’ll waive late fees, pause collections, and hold off on canceling or non-renewing any active policies due to non-payment through May 15, 2020.
https://www.progressive.com/support/covid19/

Safeco Insurance Co. of America – ​We have automatically stopped charging late fees and have temporarily paused personal auto & home coverage cancellations due to non-payment from March 23 through June 1, 2020, or later as directed by your state. We are also extending payment dates if needed.
https://www.safeco.com/covid-19

Transamerica – ​The company’s five-step CARES Act Customer Support Initiative was “designed to help both retirement plan sponsors and their employees manage through this difficult and complex time,”
https://www.thinkadvisor.com/2020/04/08/transamerica-introduces-cares-act-customer-support-coronavir us-aid-roundup/

Travelers​ – To ease the financial burden that many individuals and businesses are facing due to COVID-19, Travelers is expanding billing relief for all our U.S. customers. Specifically, we will suspend cancellation and nonrenewal of coverage due to nonpayment through May 15, 2020. We will not charge interest, late fees or penalties during this period, providing policyholders extra time to pay their premiums without risking cancellation. We also launched the Stay-at-Home Auto Premium Credit Program, which will automatically give U.S. personal auto insurance customers a 15% credit on their April and May premiums.
https://www.travelers.com/about-travelers/covid-19-billing-relief

United Health Care​ – ​We waived cost-sharing for COVID-19 testing and the testing-related visit for Medicare Advantage, Medicaid, Individual and Group Market health plan members during this emergency period.
https://www.uhc.com/health-and-wellness/health-topics/covid-19/our-response

Zurich​ – Zurich North America has announced the launch of a COVID-19 reimbursement product for employers to provide cash benefits to eligible employees hospitalized for more than five consecutive days as a result of the virus. In the US, net profits from the offering will go to hunger-relief charities.The COVID-19 product, a surplus lines policy, is available to large employers – typically those with 5,000 or more eligible employees – in most industries, Zurich said.
https://www.insurancebusinessmag.com/us/news/healthcare/zurich-north-america-offers-covid19-pro duct-that-gets-cash-in-hands-of-hospitalized-patients-220053.aspx