During this time of uncertainty, you can count on RBN to be there for you.

COVID-19 & Health Insurance

The coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organizations and individuals around the world. As COVID-19 becomes increasingly widespread, it’s raising questions about healthcare costs and options. Below we have compiled answers to commonly asked questions. Please reach out to us for further questions and needs.

If someone on my health insurance plan gets COVID-19, what will my policy cover?

Please refer to your specific carrier website below for details on what is covered and how they are handling the situation.
This is a good time to review your specific plan’s details, including copays, out-of-pocket maximums, in-network vs. out-of-network facilities, deductibles, and requirements for referrals. Additionally, it is helpful to understand how your plan charges for emergency room visits compared to urgent care visits and doctor office visits.

Will I be able to receive my normal prescriptions?

Yes, you should still be able to access all your normal prescriptions. Store hours might vary. To honor social distancing, it’s worth exploring if your healthcare provider and insurance company will provide 90-day prescription refills. Additionally, many pharmacies offer shipping options to avoid going into retail pharmacies.

Will I be able to see my doctor? 

Yes, you should be able to continue normal health services, but there may be delays related to an increase in patients. Now is a time to explore telehealth options your providers offer.

What is telehealth and how can I use it?

Many healthcare providers have already been offering telehealth options and recently have expanded their capabilities. Telehealth refers to the use of electronic information and telecommunications technologies to support long-distance health care. Technologies can include videoconferencing, phone calls, online portals, and online messaging. For non-urgent medical issues, it is worth exploring your provider’s telehealth options to get treatment while still honoring social distancing.

Where can I stay up-to-date on COVID-19 information?

We recommend referring to the Centers for Disease Control and Prevention (CDC) website for current information and recommendations.


During this time of uncertainty, you can count on RBN to be there for you. In addition to securing health insurance plans, RBN can also help you with sample work from home and telecommuting policies, posters for your workplace, and sample employee communications. We will continue to monitor the situation and provide updates as necessary.

Visit RBN’s employee benefits page for more information.

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