Frequently Asked Questions:
Coverage, Symptoms, Testing, Treatment, and How to Handle Stress
Do ISO plans cover testing and treatment for COVID-19?
All ISO plans provide coverage for sickness and injuries, including COVID-19. Any tests and treatments that are medically necessary are eligible for coverage, according to your plan benefits.
For information about your insurance plan, as well as the specifics of your coverage, you can refer to your policy’s brochure.
What are the symptoms of COVID-19?
The symptoms for COVID-19 as well as their intensity vary case by case. This means, if you have COVID-19, you may have very mild to no symptoms, or show many symptoms like a severe illness. The three main symptoms listed by the CDC include cough, shortness of breath, and fever.
As more information has come out about coronavirus, additional symptoms have become known. At the end of April, the CDC added additional potential symptoms such as chills, muscle pains throughout the body, sore throat, headache, and/or a new loss of smell or taste.
If you are experiencing any of these symptoms, call a doctor for professional recommendation and determine if you need a COVID-19 test. If your symptoms are extreme – such as constant chest pain or pressure, inability to stay awake, bluish face or lips, or severe trouble breathing, then call 911 and seek emergency medical care.
Should I be tested?
If you are showing symptoms of COVID-19, call a doctor for a determination on if and when you can be tested. While tests are limited, your doctor may recommend staying home, isolating, and managing your symptoms on your own. If your symptoms worsen, call your doctor again for an updated recommendation on how to take care of yourself.
With a doctor’s recommendation, you will be instructed on where to be tested and protocols to follow, such as wearing a mask and where in the testing site to go.
If you are showing symptoms, regardless of being tested or not, it is important to be cautious and try to not spread it to others as best as you can. Stay home, isolate from others, drink fluids, and rest.
Where can I get tested?
Testing for COVID-19 can be done in clinics, doctor offices, or at testing sites that have been set up by hospitals and other health facilities. If your doctor has recommended you for a test, they will also notify you where to go.
ISO recommends visiting an in-network urgent care or your Primary Care Physician. ISO works with the PPO networks First Health and MultiPlan. These companies work with providers across the U.S. to provide discounted rates in comparison to out-of-network providers. If you are looking to find an in-network provider, you can do so by clicking here.
You can utilize either website listed on this page to generate a list of providers in your area. If you need additional help, there are tutorials and videos on this page as well to assist you navigate both the First Health and MultiPlan websites.
If you do go in for a COVID-19 test or receive treatment for COVID-19, make sure to have the PDF of your insurance ID card available when you arrive. Show this to the appropriate person in the office and let them know ISO works with First Health/MultiPlan networks. They may not recognize ISO insurance so it is important you bring your insurance ID so there are no issues or complications about getting your medical services done.
How can I best cope with stress during this time?
This is a very stressful time. There are still many unknowns about the virus and how long this will last. Even if you have tested negative for COVID-19, you may still be worrying about getting sick. If you have tested positive for COVID-19, it can be extremely stressful, as there is no known treatment. You may also be stressed or worried for your loved ones and friends during this time.
All members with ISO have free and unlimited access to CareConnect, a service that connects you with certified counselors, available 24/7. These counselors will provide in-the-moment support, as well as a plan for next steps to best take care of you. It is important to take care of yourself; do not hesitate to reach out. To get connected, call 1-888-857-5462, any day and at any time.
Is there a treatment for COVID-19?
There currently is no vaccine nor treatment for COVID-19. If you are hospitalized with coronavirus, there are things that doctors and nurses can do to assist with your breathing and make you as comfortable as they can while your body fights the virus.
If you tested positive and are able to stay home, follow your doctor’s recommendations. What is most important to fight any virus is to rest and stay hydrated. Self-isolate as best you can so you do not spread it to others. Be sure to monitor your symptoms – if they worsen call your doctor. If they worsen in an extreme manner, call 911 for immediate medical care.