As the global concern about the COVID-19 outbreak continues to grow, Powell is working diligently with its benefit partners to support you and your families during these difficult times. Below is important benefits information related to COVID-19 that you should be aware of. We’ll keep you informed on this webpage as changes occur. If you have questions, please call the Powell Benefits Center at 1-855-855-7610.
Legislated Changes to Healthcare Flexible Spending Accounts (HFSAs)
Legislated Changes to Healthcare Flexible Spending Accounts (HFSAs)
CARES Act changes to Health Flexible Spending Accounts (HFSAs)
- OTC Medicines and Drugs: No RX Required
- CARES Act eliminates the requirement for a prescription to reimburse an over-the-counter medicine or drug (Effective for expenses incurred on or after January 1, 2020)
- Menstrual Care Products: Now Medical Expenses
- CARES Act adds menstrual care products to qualifying expenses. Includes tampons, pads, liners, cups, sponges, or similar products (Effective for expenses incurred on or after January 1, 2020)
IRS issued Notice 2020-33 to increase 2020 Health Flexible Spending Account (HFSA) carryover limit
- Increases the 2020 Health FSA carryover limit from $500 to $550.
Changes to Dependent Care Flexible Spending Accounts (DFSAs)
Dependent Care Flexible Spending Accounts (DCFSAs) Election Changes
There has been no legislated changes to DCFSAs, however there are existing rules that may assist DCFSA participants during this National Emergency. The closing of daycares in response to COVID-19 stay-at-home orders, may allow you to make adjustments to your Dependent Care Flexible Spending Account (DCFSA) contributions. You can enroll, cancel or change your DCFSA contributions based on:
- cancellation or restart of care
- an increase or decrease in cost
- an increase or decrease in hours
- a change of provider
- if your child reaches age 13
You must be able to submit supporting documentation to substantiate the change.
SMM (COVID-19 Outbreak Period)
Date: July 16, 2020
To: All Employee and Participants of the Powell Industries, Inc. Welfare Benefits Plan
Subject: Relaxed deadlines for certain enrollments, claim submissions, appeals, and COBRA-related events
The federal authorities who regulate our welfare benefits plans recently issued guidance expanding your rights under those plans, particularly our healthcare plans.
As you might know, the plans impose a variety of deadlines by which plan enrollees must make certain requests for coverage, elect COBRA continuation coverage, pay for COBRA coverage, notify the plan about certain COBRA qualifying events (like divorce or legal separation), file claims for benefits, notify the plan of an appeal of a claim that had been denied in whole or in part, and similar notifications.
The recent guidance requires the plans to provide you with additional flexibility regarding these elections, notice, payments, etc. due to the coronavirus pandemic. When determining what your deadline for action is for these events, the plans must simply disregard the period from March 1, 2020, to the date that is 60 days after the coronavirus national emergency declaration expires. This period is called the “outbreak period.”
The outbreak period is disregarded for purpose of determining the deadline for the following elections, payments, and notices:
- Your 30- or 60-day period to exercise HIPAA special enrollment rights.
- The 60-day period to elect COBRA continuation of coverage, following a loss of your employer-sponsored coverage due to specific COBRA qualifying events.
- Your 45-day grace period to make your first COBRA premium payment following the election of COBRA continuation coverage, as well as the normal 30-day grace periods for making monthly COBRA premium payments.
- The date by which you must notify the plan where you experience a COBRA qualifying event and are determined to have been disabled as of the date of that event or within the following 60 days.
- The date by which you or a healthcare provider on your behalf must file a claim for benefits under the plan.
- The date by which you must file an appeal after having a claim denied in whole or in part.
- The date by which claimants must request external review after having certain medical claims denied in whole or in part.
Federal authorities have included several examples reflecting how disregarding the outbreak period operates to extend the time by which you have to make these elections, payments and notices. If you would like to review those examples, see the document at the link below.
Our welfare benefits plans to which the federal guidance applies are deemed amended to reflect these requirements, for as long as the requirements are in effect.
For more information related to how these extensions may affect your situation, contact the Powell Benefit Center at 855-855-7610.
Powell Corporate Benefits
 HIPAA special enrollment events generally include loss of eligibility for other coverage, or acquisition of a new dependent due to marriage, birth, adoption or placement for adoption.
 COBRA qualifying events include voluntary or involuntary termination of employment, reduction in hours below plan eligibility requirements, divorce or legal separation, death of a covered employee, and loss of dependent child status, if those events cause a loss of eligibility.
 Note that if during the “outbreak period” you are unable to make your COBRA premium payment by the normal deadline your COBRA coverage may temporarily lapse, subject to retroactive reinstatement if and when you later make the required premium payment, after the end of the outbreak period. Once you make past-due premium payments within the extended deadline, coverage will be reinstated for the periods for which payment is made and any claims incurred during that period, for which payment was denied while your coverage had lapsed, will be reprocessed and paid in accordance with the terms of the plan. Note that if your initial COBRA premium payment is deferred until after the end of the outbreak period, the plan might require you – to the extent permitted by law – to make all back premium payments in order for your COBRA coverage to take effect.
Free Virtual ZOOM Fitness Classes for all BCBSTX Members
We have some great news to share with you! Tivity Health (who administers BlueCross BlueShield’s Well onTarget® Fitness program) is introducing Prime® Live Virtual Classes, made available through Tivity’s Prime Network. Participants can enjoy a variety of live, full-length fitness classes hosted through ZOOM* from the comfort of home and at no additional cost.
**Classes are open to all BCBSTX members – you don’t have to be Fitness program member**
- Boot Camp
- Strength training
- Cardio-interval workouts and more
How does it work? The interactive sessions employ a fitness instructor who leads each class through a live video platform.
It’s easy to register. Participants go to this registration link and provide their name and email address. Once enrolled, they can RSVP for classes of interest and will receive an email confirmation with a ZOOM link to access the class shortly after registering.
The Fitness Program is provided by Tivity HealthTM, an independent contractor that administers the Prime Network of fitness locations. The Prime Network is made up of independently owned and operated fitness locations.
Zoom is a third-party provider and is not owned or operated by Tivity Health or its affiliates. Users who access Prime Live Virtual classes are subject to Zoom’s terms and Conditions. Users must have internet service to access Prime Live Virtual classes. Internet service charges are the responsibility of the users.
Powell and BCBS to Cover Cost of Coronavirus Tests
Employees and dependents covered under one of the Powell medical plans will have access to coronavirus (COVID-19) testing as recommended by the Centers for Disease Control and Prevention (CDC) and prescribed by health providers. Effective immediately, Blue Cross and Blue Shield (BCBS) will not require preauthorization and will not apply members’ copays or deductibles for testing to diagnose COVID-19 when medically necessary and consistent with the CDC guidelines. Please note that this waiver of deductible and coinsurance applies to the test to diagnose the virus. Coverage for facility charges including urgent care facilities and freestanding emergency rooms are consistent with the terms of the plan and are subject to deductible and coinsurance if applicable.
With regard to treatment for COVID-19, the Powell plans cover medically necessary health benefits, including physician services, hospitalization and emergency services consistent with the terms of the member’s benefit plan.
Members should always call the number on their ID card for answers to their specific benefit questions.
Prescription Early Refill
Blue Cross and Blue Shield has implemented the necessary steps to allow members to receive an early fill of their specialty or non-specialty medication for the same quantity as the last prescription filled. Members can contact the pharmacy directly to ask for an early fill. There is currently no end date for this exception policy. All pharmacy safe practice measures, as well as prescribing and dispensing laws, will remain. This includes completing all necessary UM (or prior authorization) reviews before dispensing the medication and filling specialty prescriptions for only a 30-day supply. Please note the following:
- The drug list will still apply.
- If a local Walgreens offers delivery, they are waiving fees at the moment.
- Customer Service is prepared to serve members
- This exception will apply to all members
We also encourage members to use their 90-day supply fill benefits for non-specialty medications at select retail pharmacies or home delivery (mail order).
Virtual Doctors’ Visits – Updated
Virtual doctors visits from the comfort of your home or office!
As a reminder, employees and dependents enrolled in any of the Powell medical plans have access to virtual doctors visits through MDLive. The cost for a visit is only $25 and can save you a trip to the doctor’s office. Click here for more information on MDLive.
We have identified other virtual care providers in the states where the largest numbers of our employees reside. You do not need to be insured under one of Powell’s medical plans to be able to use these providers. I have listed the provider with the cost for the service and a link to their website for more information and to register. If you are in a state not listed, there may still be virtual care resources available to you and recommend you look to see if your local hospital system offers virtual care.
Sun Life Covid-19 Leave of Absence – How to file a claim
Stock Market Swings
Do stock market swings have you wondering if you should be doing something?
With recent global health concerns – and their effect on the markets – you may have questions or concerns about your retirement savings. Fidelity can help you navigate this uncertainty and share what you can do to feel more confident when making decisions for both the short and the long term. Stay informed.
- Check out the 6 Tips to Navigate Volatile Markets to help you keep perspective on market conditions and what they mean to you.
- Read 7 Principals of Investing in a Volatile Market.
- Fidelity has developed a new web page on Fidelity.com that provides a broad array of educational information on the topic of market volatility. Here is a link to the new page: Fidelity.com/volatility.