Instant Insights / How the Coronavirus Affects HR, Benefits, and Retirement Professionals

Dealing with COVID-19's massive impact on employers, employee benefits, 401(k) and pension plans, health insurance, and more.


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Map showing just about every state has some confirmed coronavirus cases (Credit: CDC)

The Centers for Medicare and Medicaid Services (CMS) has announced that the diagnosis and treatment of COVID-19 pneumonia are part of the “essential health benefits” package.

That means that, under federal rules, every individual or small-group major medical insurance policy that meets the Affordable Care Act (ACA) benefits standards should provide at least as much coverage for COVID-19 care as for care for ordinary strep throat, or a broken leg.


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