Managing Your Employee Benefits Program

Is COVID-19 Testing Covered for Business Health Trust Members?

Business Health Trust is proud to offer competitive insurance benefits to small and mid-sized businesses in Washington state. We partner with major carriers so that our members can provide competitive employee benefit programs that support healthy, productive employees.

Since the COVID-19 pandemic first hit, our medical partners at Premera Blue Cross and Kaiser Permanente have continued to adapt to take care of members’ needs and help keep the community safe.

In most situations, COVID-19 testing is covered for members enrolled in medical through Business Health Trust:

Kaiser Permanente: Testing and diagnosis at Kaiser Permanente are available at no cost to members. If you decide to get tested at an outside lab, you’ll need to pay for your test, but you can file a claim form for reimbursement. Please note that Kaiser Permanente will cover the cost of testing only if it was conducted by a licensed provider.

Read more about COVID-19 testing for Business Health Trust members enrolled in Kaiser Permanente.

Premera Blue Cross: Testing is covered when a doctor orders the test. The test is covered with no out-of-pocket cost with a doctor’s order. However, keep in mind that most plans don’t cover COVID-19 testing for:

  • Return to work or school
  • Caretaker work requirements
  • Contact tracing
  • Travel requirements
  • Community management
  • Government requested

Read more about COVID-19 testing for Business Health Trust members enrolled in Premera Blue Cross.

Ready for Back-to-Home-Schooling Season? Resources Abound in Our August ‘Healthy Living’ E-News

As the COVID-19 pandemic continues to change our lives at home and at work — which for many are now at the same place — Business Health Trust also is adapting to better serve its members. More than your source for comprehensive employee benefits, Business Health Trust also is dedicated to helping employers across the state continue to thrive during and beyond the pandemic, offering resources in our monthly Healthy Living with Business Health Trust e‑newsletter.

Check out the August edition of Healthy Living for resources including our COVID-19 Supply Resources for Employers website and valuable tips from our wellness partners, including access to a parenting webinar series from Wellspring EAP and the 9 top-rated nutrition and diet apps from Kaiser Permanente.

Smiling man working at home office holding a baby.

Panicking About Parenting in a Pandemic? Wellspring EAP Offers Webinar Series to Help

With many schools expected to move to mostly online or remote learning this fall, Business Health Trust partner Wellspring EAP is reaching out with resources to help parents as the future remains uncertain.

Throughout the COVID-19 pandemic, Wellspring EAP has offered a diverse variety of live and on-demand webinars, which continue with this series that targets both parents and their managers. If you are unable to attend one of the following webinars, all will be recorded and available on-demand 48 hours after the scheduled time. Upcoming webinars include:

We’re Still Parenting through a Pandemic: Managing this Ultimate Juggling Act
August 13, 2020 | noon – 1 p.m.

Kids, A Job, & A Teaching Gig: Navigating the Chaos of 2020 YOUR WAY
August 25, 2020 | noon – 1 p.m.

Tools for Navigating This Marathon of Uncertainty
September 9, 2020 | noon – 1 p.m.

Supporting Your Working Parents in the Chaos of 2020: A Webinar for Managers
September 15, 2020 | noon – 1 p.m.

To complement the series, Wellspring also is featuring a parenting guide that members can access at WellspringEAP.org, which includes:

  • How your EAP can support you and your family in these times
  • Resources for creative solutions and supportive practices for navigating the realities of working (from home or on-site), remote learning and child care needs
  • Tips for supporting remote learning at home
  • Self-care practices, tips and resources for you and your family

Business Health Trust members enrolled in medical insurance have compulsory access to the Wellspring EAP platform, including the 3-visit plan and BetterHelp Virtual Counseling.

For more information on the diverse health insurance benefits available through Business Health Trust or to enroll today, please fill out our Request a Quote form, email info@businesshealthtrust.com or call 425.201.1972.

Gloved hands in the shape of a heart with face masks.

Welcome Wellness Kit Now Available to New Business Health Trust Members

Enrolling in Business Health Trust already gives you access to comprehensive, affordable health insurance paired with cost savings and other benefits to help you attract talent and keep your employees healthy and productive. But with many small business currently struggling to find the safety supplies needed to reopen or stay open, Business Health Trust is expanding its offerings for new members.

As the economy in Washington state continues to open up, Business Health Trust is offering a Welcome Wellness Kit to new enrolling groups that includes:

  • 1 hand sanitizer station
  • 1 sanitizer dispenser
  • Hand sanitizer
  • Cloth and/or disposable masks

Current Business Health Trust groups that renew for 2021 also have access to a wellness kit with masks, sanitizer or other items.

Additional personal protection equipment (PPE) and other safety resources also are available through Business Health Trust via its COVID-19 Supply Resources for Employers site.

With a core value to be a resource to employers, Business Health Trust continues to be focused on ways to help small businesses thrive in our changing economy.

If your business is located in King County, you also may be eligible for the Safe Start Supply Kits available through a partnership with King County and other regional chambers and business organizations. Read more about Business Health Trust’s role in their distribution in the article “Safe Start Kits From Business Health Trust are in the News.”

Man wearing mask trying on glasses.

Ask an Eye Doc: How Your Eye Exam May Look Different

From our wellness partners at VSP Vision Care Inc.

Business Health Trust partner VSP Vision Care Inc. is partnering with network eye doctors to help ensure a healthy return to routine eye care services. What are some of the changes you might see when you return to your eye doctor?

On this latest episode of Ask an Eye Doc, VSP network eye doctor Gabriela Olivares, OD, from Ft. Lauderdale, FL, shares a few common things VSP is seeing practices implement. “Many things are different,” she tells us, “but one thing does remain the same: your eye doctor’s commitment to your safety.”

How to Prepare for Your Eye Doctor Visit
  1. Don’t go if you’re feeling sick. If you wake up with a cough or a sore throat, it’s probably best to reschedule your appointment and call your primary physician. Your routine eye exam can wait. Don’t be surprised if someone takes your temperature upon arrival to ensure safety for everyone.
  2. Fill out forms in advance. If possible, fill out your intake forms online before your appointment. This will limit your face-to-face contact and your overall time within the office. Any additional information that’s requested by your doctor can also be done over the phone
  3. Follow social distancing guidelines. There may be new procedures in place to help with social distancing, from markers on the ground indicating where to stand, to a limited number of people allowed in certain areas. You will likely need to call from your car to check in. Every office is different, so be sure to check with your doctor’s office about their requirements.
  4. Go alone to your appointment. Most offices are only allowing the patient to enter the office, with the exception of those who require a caregiver or a guardian to attend the appointment with them. This limits the amount of people going in and out of the office, and helps maintain a more sterile, clean environment.
  5. Wear a mask to your appointment. Depending on your state, a mask may either be mandated or highly recommended when you are in public places. The Centers for Disease Control and Prevention highly advises people to wear a mask covering their nose and their mouth in order to help stop the spread of COVID-19.
  6. Ask before trying on frames. Lastly, if you need glasses, your frame selection experience might be somewhat different than before. Frames that patients try on will be disinfected prior to returning them to the frame board so that you feel safe and comfortable. Be sure to ask office staff prior to trying on any frames. This will ensure that the eyewear remains sanitary. In addition, don’t be surprised if there is an acrylic barrier between you and your optician. This might allow you to try on your frames mask-free. Be mindful that procedures are modified as needed and each doctor’s office might have a slightly different approach to ensuring everyone’s health and safety.

To know exactly what to expect during your appointment, call your doctor’s office to find out how to best prepare for your visit. If you need to connect with a doctor but don’t have one, VSP can help!

This article was reviewed by Gabriela Olivares, OD.  

Information received through VSP Vision Care channels is for informational purposes only and does not constitute medical advice, medical recommendations, diagnosis or treatment. Always seek the advice of your eye doctor, physician or other qualified health provider with any questions you may have regarding a medical condition. 

BHT News June

June E-News: A Safe Return to the Workplace and the Great Outdoors

With much of Washington state and the rest of the nation moving toward reopening, Business Health Trust wants to make sure you have the resources you need to safely head back to the workplace.

Our June Healthy Living with Business Health Trust e-news offers resources to help you get stocked up with our new health and safety supplies website, and keep you informed with our updated COVID-19 Resources for Employers site. We’ll also help you head outdoors with 10 breathtaking Washington hiking trails, just be sure to follow safe social distancing practices.

Click here to see the June edition.

Click here to see past editions or to subscribe to Healthy Living.

Fraud keyboard illustration

How to Report Unemployment Fraud

The Washington State Employment Security Department (ESD) announced on May 14, 2020, that unemployment fraud is on the rise, and Business Health Trust wants to make sure you have the proper resources if you become a victim.

If you have reason to believe someone has applied for unemployment benefits using your information or used a scam to obtain your private information, the ESD urges you to make a report at esd.wa.gov/unemployment/unemployment-benefits-fraud.

Please be aware that you will need the following information:

  1. Your full name
  2. Last 4 numbers of your Social Security number (never put your full SSN in an email)
  3. Your address
  4. Your date of birth
  5. Brief description of how you found out an imposter-fraud claim was filed using your information
  6. Please let us know: If an imposter-fraud claim was filed using your information, do you give us permission to deny and cancel it?

Additional steps you can take if you believe you are a victim of fraud:

To combat the increase in imposter fraud, ESD has hired more fraud investigators and will be focused on validating this week’s claims, leading to a potential hold on payments for an additional 1-2 days this week.

“We apologize for the hardship this may cause for valid claimants,” said ESD Commissioner Suzi LeVine in the news release.

Also on May 14, the ESD announced that state unemployment during the week of May 3-9 totaled 1.3 million, an increase of over 215,000 from the previous week.

Business Health Trust Offers Flexible Timelines for Your Employee Benefits Renewal

Business Health Trust is your source for employee benefits, offering a diverse selection of health insurance plans combined with other resources and discounts to create an incomparable benefit program for small businesses in Washington state.

Whether you have two employees or more than 100, we can help you create a benefits program that attracts talent and keeps your employees healthy and productive — at a budget you can afford.

With Business Health Trust, you also have the flexibility to choose a program timeline that best suits your business needs. For many companies, open enrollment falls in November, while many of your employees are busy with the holidays and closing down the fiscal year.

Looking for a better time of year to plan your employee benefits program? How about now?

Business Health Trust offers three distinct timelines that aim to better accommodate your distinct business:

  • July 1 Anniversary Dates through 11 Industry Health Trusts
    For up to 200 employees
  • Rolling Renewal through the Small-Group Community-Rated Product
    For groups with 1-50 employees
  • January 1 Anniversary Dates through 13 Industry Health Trusts
    For up to 200 employees

This unique solution is key to our mission is to help Washington’s business community thrive by providing the high-quality, affordable employee benefits growing companies need to be competitive.

To learn more, please fill out the Request a Quote form or email info@businesshealthtrust.com.

woman on cell phone with coffee and laptop

Digital Mental Health Support Just a Click Away Through myStrength

With the start of Mental Health Month comes a new resource for Business Health Trust members enrolled in one of the many medical plans available through Kaiser Permanente.

On May 1, 2020, Kaiser Permanente introduced the myStrength digital mental health app, available at no additional cost to enrolled adults. myStrength provides resources for emotional well-being, including help with stress, anxiety, depression, sleep, parenting and more. The personalized program includes interactive exercises, in-the-moment coping tools, and inspirational resources.

This resource is particularly valuable while social distancing remains in effect though Washington state’s extended Stay Home, Stay Healthy order.

To access myStrength, make sure you have an active kp.org/wa account, then follow the easy three-step directions on the myStrength flyer.

For more information on how Kaiser Permanente supports members’ mental health and wellness, go to wa.kaiserpermanente.org/html/public/specialties/mental-health/mental-health-wellness.

If you are not yet a member of Business Health Trust and would like to learn more, please fill out our Request a Quote form.

Video chat with male doctor

Telehealth Access Expanded for Business Health Trust Members Enrolled in Premera Blue Cross

Many recreational activities have already reopened as we begin Phase 1 of Washington state’s plan to lift the Stay Home, Stay Healthy order on May 31. But even as we’re better able to get outside and enjoy the spring weather, social distancing means many of us will continue to connect virtually with colleagues, family and friends.

In the meantime, that is also the best way to communicate with your health care providers for non-emergency care, especially if you think you may have been infected with coronavirus (COVID-19).

For Business Health Trust members enrolled in Premera Blue Cross, the telehealth options available are better than ever to help accommodate increased demand and to help members access the specialized care they need.

As always, members have virtual care access to:

  • 24-Hour NurseLine, accessible at no charge; phone number is listed on the back of members’ Premera Blue Cross ID card
  • Teladoc® – Talk to a board-certified doctor via phone, video or mobile app
  • Talkspace – Online behavioral therapy with a licensed clinician via private message and live video

Premera also has announced a temporary enhancement of in-network virtual providers that goes beyond primary health care to include additional options for mental health and substance use disorder. New providers include:

  • 98point6 – On-demand, text-based primary care
  • Doctor On Demand – Video-based primary care and mental health therapy
  • Boulder Care – Video-based treatment for opioid use disorder
  • Workit Health – Video-based treatment for alcohol use disorder

Member cost shares are waived for all telehealth services. Access to these new providers and the waiving of member costs shares are available through December 31, 2020.

If you are not yet a member of Business Health Trust and would like to learn more, please fill out our Request a Quote form or read more about the resources and services available to members during the COVID-19 pandemic in the article “What Does Your Health Insurance Do For You?

Note: This article was updated on May 29, 2020, to update a change in the telehealth expansion from June 30, 2020, to December 31, 2020.